This summer, one of the largest crypto exchanges updated its ToS to explicitly reserve the right to freeze accounts and deny withdrawals if it shuts down - without having to explain why. I recently wrote about exchanges that shut down and left users struggling to withdraw funds. I called those cases extraordinary. Now another exchange is effectively asking every user to accept that possibility in advance. I don't want to name the exchange, because this isn't really about one company. It's about what looks like an emerging trend. Holding funds on suspicion is already standard compliance practice. But holding user funds when a business shuts down feels different. It's far more dangerous. Agree?