I guess Im old school and probably stupid/paranoid, but this is exactly why I dont use banks, anymore than I have to.  I keep my money, well, Im not going to tell you where, but its safe.  I dont deposit money in the bank, til I need to pay a bill.  Pay my bills, mostly online with a credit card, so I dont have to write many checks.  Then, deposit cash when I write the check or checks, as it may.
If Uncle Sam wants to freeze my accounts, I guess he can get some retirement money, but hes not gonna get my livin money.  Thing is, I dont give them any reason to do anything, but it doesnt sound to me like Wolvie did either.  They just decided to do it.  Over cigarettes?  

   Please.
I dont trust the government or banks.  Just dont.
Andy