Yes. Assume following situation. You deposit 1000$ to advcash right now. You're charged 2% (because they have lower ratio USD/BTC) - this is 20$.
You get to know that you cannot fully use their service.
You decide to withdraw. Now you lost 20$.
This is how it works, and this is a scam because you paid for service which wasn't provided.
How can that ever be a scam? The deposit service to your wallet and their withdrawal service from your wallet are provided, which they charge a fee for. Even if their card service was working, the fees would be the same. They have many withdrawal options, they having some difficulties with their main one but that's about it. Their platform and service is still working and i see no reason as to why utilizing that should be free. I'll give you it would be a good service they could offer if they wanted, but nothing you can demand and most certainly not a reason for calling them scammers.
You aren't a business entity providing service to customers from which you make money. Totally irrelevant comparison.
But I am a business entity and having those money locked up also caused issues for my customers and my company. It took over 2 weeks before we had alternative accounts in other banks ready, before we could resume our normal services. Our mistake was to rely on a single bank rather than spreading it over a few different, but those are expensive lessons you learn through time. We applied with multiple banks when the FBME went down, the slowest bank took more than 80 days to have our accounts ready for use. Banks are some of the slowest beasts out there and can be source of great frustrations.