It's more the risk of my bank adding friction to the transaction and spoiling the deal... you know, that "are you sure you want to send money to another random pleb for undisclosed reasons... we think we'll just review your account for a couple of days before letting this through".
Discussion
What do you use instead?
I take the risk. Small amounts sent from main bank to challenger bank... which I then use to buy bitcoin. Figured if it gets frozen or compromised then the normal household stuff isn't affected.
Amazon gift cards seem viable too... for now, bezos bucks are a great medium of exchange.
I wondered if state was less interested in me buying monero, to then swap for bitcoin, rather than going straight fiat to bitcoin.
Lots to think about.