you should probably learn (as I more or less did, long ago) to keep out of this thread: you won’t make any friends by posting common sense here, and more importantly you won’t change anyone’s mind, either
yes, because there are people who would rather say goodbye to an account than say hello to a regulator - i even have some sympathy with them, as i told you only yesterday!!
there’ll be some reason for that point to be dismissed, too 