That, though, is mostly about risk management -- and even if they close your account, you get the money back.

(I also would never do business with Bank of America, because they're awful and they hate their customers even more than Wells does)

But even BofA doesn't do things like read your Twitter posts and YouTube comments so they can blackhole your account if you have have the wrong politics.

The tech giants, on the other hand, will seize your stuff in a heartbeat if you step out of Silicon Valley's definition of acceptable beliefs and opinions.

My credit card works at any merchant -- and the fees are the same. I don't get hit with a temporary ban if I buy a Chick-fil-A sandwich, for example.

> But even BofA doesn't do things like read your Twitter posts and YouTube comments so they can blackhole your account if you have have the wrong politics.

Yet.

I think people willfully conflate accounts being closed with your money actually disappearing.