Retail banks have branches. If something happens to my account and I'm locked out I can literally walk from my home to the branch and raise hell. I, like many

Retail banks have branches. If something happens to my account and I'm locked out I can literally walk from my home to the branch and raise hell. I, like many in my corner of Europe double-bank, with salaries, loans and mortgages sitting at a brick&mortar bank, and we only send our monthly spending money to revolut, exactly because if revolut decides to close my account for whatever reason, I might have max €2k frozen.