Freedom concerns aside, please let this never happen.
I had a screaming deal going on 5 very desirable HK rifles but because my credit card was linked to my bank account the security features prevented the transaction even though my actual balance could have easily covered everything many times over.
Even worse it was out of state and on the weekend so I couldn't get an actual person on the phone with the authority to override the safety feature. But this did completely lock my account even though I asked them specifically not to. That made paying for gas and food on the way home especially interesting.
Monday by the time I got someone on the phone and explained what they did to me, all I got was a "We're very sorry but it was for your own protection." I switched banks that week but found out no matter where you go all banks now basically have the same stupid feature. So right now your money isn't even your money if your are out of your spending pattern.
Pretty sure even if I went to an ATM I would have had the same problem and a withdraw limit. Still really angry about this one more than 10 years later. If I had the foresight to carry $6,000 I would have been fine, but then I had to worry about walking around with 6 grand, you just can't win.
In normal life, I've had my wife call up to dispute a charge (usually some online purchase who accidentally double dipped the card and charged her twice) and bank customer service always does the same thing when you call to dispute, they lock the account until you can "come in Monday" and straighten things out. My favorite is when they decide it's prudent to lock both cards for "safety", I'm out running errands and pop into the hardware store and suddenly I have no spending power and I can't even grab some fries and a coke on the way home despite the actual balance in the bank. All because some minimum wage flunkie ran a card twice because credit cards are hard.
Once upon a time I used to carry $100 on me at all times. I think I'll start doing that again.
It's hard to be a ACLU hating, philosophically Libertarian, socially liberal, fiscally conservative, scientifically grounded, agnostic, porn admiring gun owner who believes in self determination.
Chuck, we miss ya man.
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