2026-01-07 06:23:30

Discuss the risks of traditional banks in account management. A recent typical case: an account involves suspicious transactions → judicial freeze → after unfreezing, the bank proactively closes the account → once locally closed, the global account system is synchronized to close → even accumulated credit card points and cashback benefits over the years may be directly frozen and refused by the bank. This process seems standardized, but in reality, it is akin to a "one-size-fits-all" approach for users. International major banks like HSBC are particularly strict when handling such accounts—once the risk control mechanism is triggered, unfreezing does not equal recovery; it may instead become a trigger for account closure. For users involved in cross-border fund flows, these risks are often passively borne.

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BearMarketBro

· 01-09 12:27

That's why I am increasingly inclined towards on-chain assets. The traditional banking risk control logic is really absurd. --- HSBC is the most ruthless among big banks. Once frozen, they directly close the account, not even giving you points, truly violent. --- Cross-border users are really passive. A suspicious transaction mark means total loss, who can accept that? --- Things like a one-size-fits-all approach, users are just the harvested leeks, banks lying back and collecting risk fees. --- If unfrozen, can they still close the account? I really can't understand this logic. Isn't this just a disguised confiscation of assets? --- No wonder everyone is moving towards decentralization. The banking system is too much of a black box. --- Frozen points and refused payments, the money is gone, and so are the rights. Who would want to do this deal? --- Global account synchronization shutdown, small-town youths are directly heading towards bankruptcy.

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GasFeeAssassin

· 01-07 06:52

That's why I firmly believe in self-custody and on-chain assets. The traditional banking system is truly too shady.

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FalseProfitProphet

· 01-07 06:52

That's why I started diversifying my assets early on. The traditional banking system is just a black box; once you hit a snag, your global accounts are all at risk of being shut down. --- Instead of being unfrozen, accounts are closed? That logic is absurd. Bank risk control departments are really overthinking things. --- This is what cross-border users fear the most: points can be frozen and payments refused. Who would trust these institutions? --- Large banks like HSBC seem professional, but in reality, they are even more ruthless with a one-size-fits-all approach. It's really ironic. --- A suspicious transaction flag can trigger a chain reaction, system shutdowns happen simultaneously, and users become the only losers. --- This is the stubborn disease of centralized finance: no appeal mechanism, no right to explanation, just shut down at will.

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SigmaBrain

· 01-07 06:40

That's why I moved everything on-chain long ago. The bank's risk control logic is really outrageous. The key is they don't even tell you when you'll hit a雷 (risk event). Crossing borders triggers a chain reaction, causing the entire account system to collapse. HSBC's approach, a one-size-fits-all solution, is what old-school guys love most. Your points and cashback are directly confiscated. What's the difference from theft? The problem is users can't do anything about it. Is this what you call compliance? Centralized institutions will never stand on our side. It's better to manage your assets independently early on. Some international big banks' risk control systems are like black boxes; once triggered, you disappear. Who can bear this passive risk? Luckily, there are decentralized solutions.

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ImpermanentSage

· 01-07 06:28

The bank's risk control logic is really fucking magical. They freeze your account and still close it? Isn't that like stabbing you first and then kicking you when you're down? This traditional financial trick is all one-sided at critical moments. Users have no bargaining power at all. Cross-border users have it the worst. Once a suspicious transaction label is slapped on, all points and benefits are gone. The bank treats you as a money launderer. So, you see, it's better to have multiple options and diversify your eggs into different baskets. International big banks' clearance process is indeed absolute. Once you're on the blacklist system, it's basically impossible to turn things around. That's why I now trust on-chain assets more. No matter what, I won't be cut off by a single institution.

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