Agreed, however it's also an experience that almost everyone has had, and the straightforward solution (carry two cards from two different banks) _also_ tends to resolve the issue of your bank account being frozen.
I've never had that experience, and it is a bit ridiculous of you to claim that. I am sure if everyone had that experience, cashless wouldn't be so popular. Did you have that experience to be locked out of your bank account for weeks?
