I did not know FTX tried to withdraw fiat from banks during collapse. I know there are a lot of scams but I feel that customers should be able to sign a waver and use their money.

I am not in a position where I am being limited but I have had accounts closed recently even from minor previously bitcoin friendly banks. Everyone says it's no longer within their risk tolerance.

I think it is more a concern for someone just entering this world. I imagine that if we see a big price move to the upside there will be a lot of people who find they can't buy what they want to.