Something similar has happened to me in the past. Twice if I remember correctly! Without warning I find out that my debit card has been frozen only to find out that it was due to a possible fraudulent activity. The bank goes through an investigation to resolve the issue but it could take days before you see your money back in your account.

This is why the blockchain technology will make things so much better. Yet up to this day it still seems like a mystery to most people. But i think it's only a matter of time before blockchain will be used globally.