Tom, dick, and Harry will be the ones crying about how it’s not fair that they can’t get “their” money out of the bank. Only learn the hard way. You can lead a horse to water, but not make it drink. They will have to learn what being a depositor at a bank acutely means. Similar to the noobs that got rekt on all these rehypothicated exchanges last year thinking that self custody was not serious lol. Pain is good. Ppl learn from it