The question is about fairness. You work for these money, did not steal them. If you steal, the court can decide to take them from you, but mistakes happen and you know that you have some X amount of money, go to the grocery store and boom-you have nothing. No court, no police, no judge. And then you must go to court and write tens of pages of proofs to get your own money, not my or their, YOUR OWN! I am starting to become a bit angry exactly because this happened to me. They saw the mistake, and unlocked the money in about 2 business days, but the block was put friday evening, so 2 business days was 5 real days for me.

I know the benefits of cards and things, i like how I don't have to count coins but there must be some balance.

Currently it's like the DMCA thing. I can right now just send youtube few DMCAs for few random videos I choose. If they even come to me and tell me that I am lying, i can tell - "sry, my bad, won't happen again for the next few weeks" and i'm fine. The difference is that this can have more real and immediate consequences. What if you're in another city and have no where to sleep except hotel, and suddenly you have no money for hotel. You have no money to get a ticket to go home. And no food? You may carry some cash of course - 20-30 euro? Most of the hotels are 50-60 euro (unless its a real hole). And then what?

This is not some joke torrent site where we play pirates vs Big Corps. This is real life. Last such example was in Canada where many protesters found out that their cards were frozen. I can't remember the exact time or what they protested against but i'm sure you also heard of that.