>I don't know why you think I'm "defending" anything.
I don't think so. Your statements about the nature of checking accounts as created by banks (at least in the U.S) paint the entire construct as if it were an inescapable part of how these banks operate, when it could be differentiated in certain ways, and could in either case involve not arbitrarily blocking people from access to their accounts or even funds. In no explanation of checking accounts is that defensible.
I don't think so. Your statements about the nature of checking accounts as created by banks (at least in the U.S) paint the entire construct as if it were an inescapable part of how these banks operate, when it could be differentiated in certain ways, and could in either case involve not arbitrarily blocking people from access to their accounts or even funds. In no explanation of checking accounts is that defensible.