@neil if you don't hold the keys it's not your money.
#NationwideBank messed me about over a trivial transaction, then froze my account during the switch to another bank (without telling me) depriving me of my funds and causing the debits to fail on both old and new accounts.
After offering £80 compensation, they refused to complete the switch until I phoned to pay 30p interest they caused.
They will have to pay me much more but every bank is becoming like this & making the case for #crypto🤦♂️