How is that rhetoric loaded? What rhetoric?

> if push comes to shove, go to a branch and withdraw your money in person.

When I was starting out in my IT career, the nearest branch of my credit union was more than an hour away by car, and for much of that time I didn't even have a car. If my credit union had restricted my account to "thou must visiteth a branch and speaketh with a representative", I would've been screwed - on a level of "freezing and starving".

> transfer your money out through the mobile app or website;

Assuming this wouldn't be one of the first things shut off alongside the card.