> If you have to worry about banks banning you

Banks ban you for joke comments in bank transfers or anything that alludes to drugs, sex work or gambling. Or for transferring remittances to your parents in a way some algorithm deemed to be "structuring" or "money laundering for terrorists".

PayPal bans you for whatever the fuck their AI decided on a whim.

I've been on HN for over eight and a half years now and help requests or complaint blog posts are routine here. One thing that's common is support staff that is either unreachable (Google) or doesn't have any freedom to reverse AI-caused bans / only is allowed to post canned responses (everyone else). The only way to get issues with big tech resolved these days is to raise a stink here on HN, even Twitter shitstorms seem to fly under the radar more and more.

All you need is an anonymous call to the police in the US to SWAT your house and get all money from your bank account taken away temporarily. There are multiple people who said that the only reason they didn't need to ask money from friends for lawyers is that they had some Bitcoin. It's all about preparing for worst case scenarios in your life, just like wearing a seatbelt.