The banks in the US can point-and-click freeze your assets and ability to transact even in the absence of any burden of proof of reasonable suspicion of a crime. They frequently do this upon request from the government well prior to a conviction or even charges.

They did this to Wikileaks, for example, long before any charges against Assange were made public.

It's, to borrow a phrase, "turnkey tyranny", ready for abuse at all times. Those it is wielded against can't then afford representation to get it fixed, as they can't send or receive any payments.