But don't exchanges lock down suspected addresses they believe to be fraudulent or associated or reported to have been linked with scam or money laundering? The banks and the exchanges could be work hand in hand to make these transactions secure and retrievable where required and necessary.
Banks and exchanges can indeed blacklist or lock addresses they suspect of criminal activity, which is only intended for the address holder. So, people who have done nothing wrong in their lives need not worry about this. As long as we continue to do good deeds and show no indication of committing crimes, our addresses will remain safe from being locked by banks and exchanges. This has taught many people to continue doing good without having to become thugs in any way if they still want to live peacefully and have access to everything.