Very likely it was a dumb reason, an automated reason, a poor user experience of that reason, a completely optional experience, a poor corporate policy that sub

Very likely it was a dumb reason, an automated reason, a poor user experience of that reason, a completely optional experience, a poor corporate policy that substantially diverges from legal obligations, legal obligations being poorly thought out and misguided as well. There's literally no reason to blame the victim here when HSBC can launder money for the literal cartel under the same legal regime that deputizes financial institutions to demonize transactions instead of a government agency demonizing an actual behavior and investigating that actual behavior. The party in power made a choice they shouldn't be in a position to make or shouldn't chose to do that way, the predictability of that choice occurring is not a factor at all.