That was the problem, the person who sent the coin treated the transaction like a bank transaction. Normally, you could send money through someone's bank account, and the funds can be withdrawn even if the account is dormant or restricted. In some cases, it could be recovered if it was sent to the wrong account since every account holder is known by the bank.
I am really sorry to see what you wrote, that shows you did not understand about bank system and Bitcoin. Let's look at details.
- With bank system, if your ban account is dormant but you still have access to it, you can withdraw your money. There is chance of bank will terminate your bank account if it was inactive for too long time. In another case, if your bank account was restricted, I am quite sure that you can not withdraw your money from it until a day your appeal was approved by that bank and your bank account was recovered to normal status.
- With Bitcoin, if you have private key, you can access your bitcoin. Surely you as a sender must ask the receiver that whether he still has access to that wallet. Interestingly, with Bitcoin non custodial wallets, you can let them inactive any time you want and nobody can terminate your wallets.