This depends on your country, bank and degree of fascism you are subject to. Here in Sweden, for example, the banks view "activity" as "suspicious" until you prove otherwise and doing so is not that easy.
Are you sure that you are not exaggerating anything here? Wouldn't that completely impede the capital movement, which is a large %% of economy?
If what you are writing is true, then i understand where Cyprus came from.
As I said, your country and how far info fascism it has fallen may vary. I am just saying that my personal experience is that if you have a job and your employer deposits your salary into your account and you use that money to pay your bills then you'll probably be fine, if you actually use your account for anything then you get your account frozen and you have to go through all sorts of hoops to prove your perfectly normal activity was perfectly legal. The same happens if you have funds in another country or even just another bank and you move more than pocket change into your bank account.
As I said, you may live in a country where fascism has not yet risen to this level and if you do then you're lucky - for now. I will not risk having more in a bank than I need to pay bills in the very near future and I hope it will be possible to pay utility bills and such in BTC or in another way that bypasses banks in the future.
It really does not help that you made your perfectly legal money in a perfectly legal way when your bank account is frozen and you have to go through all kinds of hell to get access to your funds again.
Well, here in the US, I don't expect any problems, but I guess we'll find out soon. I mean, certainly I wouldn't be the first person to test Coinbase's $50,000 limit, right? And since they have already done KYC, it shouldn't be a problem, should it?