> If your funds are clean there is zero reason for the (unfounded) anxiety.
Nonsense. Your funds can be frozen with no recourse 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.
Most token holders use exchanges, where freezing accounts and just keeping the tokens is a daily occurrence.
That's not something solved by cryptocurrency in its current form.