> This is a non-issue for almost everyone.

Very true. It’s almost always a non-issue (and could probably be ameliorated if you’re prepared in advance).

But, I’ll guarantee you, that one time in your life when you suddenly NEED $25,000 for emergency medical costs, or to close a critical business deal, or to pay for your wedding, or a parent’s funeral, or to help out friend or family in dire trouble?

Then, that one time, it is the biggest issue of your life. If a polite and cautious bureaucrat blocks it, then you will be angry about it forever.

And that one time is enough for one life.

You will not understand this until it happens to you.