how likely would you say it is in 2020 that the banks suspend, freeze or close accounts just like this?
Very easy. Ask customers of Ferrartum bank in Malta.
We have seen so many EMI's close accounts, we have also seen banks in Belize and Lithuania steeling peoples money, but what today still something that will happen?
Yes. Banks don't have any respect for customers.....absolutely zero respect. They treat customers like cattle they they can heard together and milk. Then when mood takes them thye simple dispose of customers like a dead carcass. They care nothing for any inconvenience or loss you may suffer as a result.