> If you’ve ever been unjustly completely locked out of your finances for an extended period, it’s a bizarre experience and a wake up call. Happened to my moth

> If you’ve ever been unjustly completely locked out of your finances for an extended period, it’s a bizarre experience and a wake up call. Happened to my mother-in-law for she was sharing a family name with someone who had his account locked (she only learned that it was due to that reason and mistake months later). One solution is multiple bank accounts. For a small account, a unicorn like Coinbase can be used too: keep a few thousand USD/EUR at Coinbase and have a debit (not credit in this case) card which you can refill at any time from Coinbase (doesn't have to a debit card emitted by a Coinbase partner: it can be, say, from bitpanda too and then you just refill bitpanda from Coinbase). This "fintech" / crypto backup is my middle finger and backup plan in case the bank decides to freeze my account for a while. It doesn't work for everything but at least it fixes the "cannot buy groceries / cannot fill up the car" pressing issues. BTW nobody needs to believe in crypocurrencies to do that and nobody needs to go all in either: you can just use these companies as some kind of bank, with a little amount as emergency, just in case the proverbial shit hits the fan of your real bank.