Check outgoing for coinjoin? How?

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If you withdraw to an address, then the bitcoin in that address enters coinjoin immediately after, they can see that. They're low key saying you need to at least make one hop before doing that in order to not lose your account.

That doesn’t matter, they can still follow the UTXO and assume you sent it to yourself before entering the coinjoin. I mean they might not catch you if you did it one time, but if all your UTXO eventually enter a coinjoin after several hops, you are still SOL. Why would Swan even agree to this is the question. Can’t they just get another bank?