It's really hard to be blocked from your money by the entire banking system. In my country, at worst you're banned from credit and investment, which is really not cool (cannot use checks, only have debit cards, no saving account trying to keep up with inflation...), but in the end you don't have to sue to get your money back.

It's quite different from payment apps (my father used PayPal once to collect a 7k payment, spent 3k in lawyer fees to get the money).