We should be careful to distinguish between "everything goes back to normal" versus "they you move your money to some other bank."
Anywho, you're right that the final example is more-likely to be resolved, thanks to a formal customer relationship backed up by decades of law plus physical locations... but what about Reddit, Facebook, Amazon, Google, etc. where they sometimes don't even have any remotely responsive support system or nearby physical branch?
Basically I'm saying we have some Kafkaesque stuff out there, it isn't sensible or fair, and if someone wants to tweak the nose of the beast they should at least consider the range of what could go wrong.
That doesn't mean that it will actually be resolved. And do you really want to be doing that with everyone you ever do business with for the rest of your life?
