I bought a vehicle early this year. In the UK we have supposedly instant BACs transfers.

However because opaque anti-fraud stuff, that I am not informed about, I was stuck in the middle of a field trying to convince someone in a call centre that the car I could see with my own eyes (and I had done all the appropriate checks) does indeed exist. This whole process took almost an hour because their anti-fraud team has a two hour response time.

There are obstacles in the banking system that make doing legal transactions difficult.

> If your funds are clean there is zero reason for the (unfounded) anxiety.

Nonsense. Your funds can be frozen with no course even if you're innocent. No-one will tell you what you supposedly did wrong. Everyone who hears about your predicament will make up reasons to believe that you'd done something wrong because they want to believe that the system doesn't make mistakes.