tkskkd.deso | Takeshi Kakeda

竹内涼真主演「再会～Silent Truth～」 クランクアップ✨️ 竹内・井上真央・瀬戸康史・渡辺大知 同級生役4人のコメント到着 絶句の展開にも「僕ら4人っぽい」 mdpr.jp/drama/4746066 竹内「きつい状況の中でもすごく愛があって、人間味あふれる温かいドラマになったと思います」 #ドラマ再会

Operation chokepoint was a 100% real effort to de-bank the crypto industry, and I experienced it first-hand. Nobody who actually experienced it talks about it because it's embarrassing to get de-banked, but I don't care anymore and the story needs to be told. I will tell you exactly how it worked, about a dark practice called "subpoena-sniping," and what made it so evil. In the past three years I have had over ten bank accounts and brokerages, and got kicked out of every single one except my last two, which I have been using for a while now. There was a day when both my main bank account AND my backup bank account were closed on the same day and I had to walk down a street full of banks in Beverly Hills just trying to get a new account opened so I could operate. The worst, by far, though, was Amex. They kicked me out and voided over 4 million points I never spent worth over $40k usd, which is why you should "always be dumping" your points (cc @stoolpresidente). But more on that later... The way de-banking works is this: People in the political administration, could be the president or uppity members of congress like Elizabeth Warren, decide that they don't like a particular person or a particular industry (crypto, marijuana, etc...). They could call the banks and tell them to stop banking that industry explicitly, but that's actually not even necessary. Instead, they can have a regulator like the SEC just start issuing subpoenas to everyone's bank who works in that industry. Much less work and much lighter-touch (low-level employees at the SEC can issue a subpoena without much paperwork). A bank's reaction to a subpoena from a federal agency is almost always to immediately shut down that person's bank account. With most banks that means you instantly can't log in, can't access your money, and, best of all, you have to wait for a snail-mail check to get your money, which you can't actually deposit because you don't have a bank account (the irony...). And did I mention the check takes a week to clear even after you've deposited it into your new bank? This is why I always have a main bank account and a "backup" bank account, always. Why a check, why not a wire transfer? It lets the banks sit on your money and earn interest on it for longer. Yes, that's actually the reason... But it gets even better: When you lose your bank account, they don't even tell you why it happened, they just stonewall you completely, even if you've been a customer for over a decade. My favorite experience with this was with a neobank where I actually knew the founder and HE couldn't even tell me why they debanked me because the decision was made by their partner bank, which wouldn't tell THEM the reason, so he didn't even know it. Insane! The way I found out about this practice was actually by talking to lawyers after things got serious with my SEC case. Apparently, the most common tactic when the SEC or DOJ go after someone is to try and de-bank them by throwing subpoenas at all of their financial institutions as fast as they can open them. We called it "subpoena-sniping" and it was such a well-known and disruptive practice that multiple law firms actually recommended I wire them a lot of money up-front to "keep it safe" so that I wouldn't lose my ability to pay them halfway through what we were doing. Luckily, only thanks to crypto, that wasn't necessary... My top advice for Amex customers in particular is to always be dumping your points. The reason is that a high points balance is viewed as a liability by Amex, and thus makes it more likely they'll randomly decide that your account is non-compliant, even without a subpoena (I learned this from lawyers as well). Put another way, accounts with a lot of points are "expensive" to Amex, and so they will look for any excuse to close them before you can cash them out. In my case that meant losing over 4 million points worth over $40k usd. The crazy thing is they took my points even though I lived in New York at the time, and even though NY literally passed a law and SUED Amex precisely to stop the practice of closing accounts to steal points. Just think about it for a minute: Enough people got mad at Amex for points-stealing that NY, a place where Amex has regulatory capture, passed a LAW to ban it (which I can confirm from first-hand experience they are completely ignoring). If that's not a sign you should always be dumping those points then I really don't know what is... To this day, Amex is the only financial institution that I actually lost money with. Even the sketchiest crypto exchanges I've used over the years never did something as greasy as what Amex did, let alone after being a customer for over a decade. Now for a list of some banks and brokerages that kicked me out, just to name and shame explicitly: Bank of America, Fidelity, Chase, Wells Fargo, Amex, First Republic (rest in peace), SVB (rest in peace), Webull, Mechanics Bank (got desperate lol), Bank of the Orient (also lol). In many cases I came in through a relationship, had a contact at the bank, and was happily banking for years, sometimes over a decade-- none of it mattered, I was out the second a subpoena came in, with zero explanation. Also funny story about SVB: By pure coincidence they debanked me ONE WEEK before they went insolvent-- you can't make this stuff up. There are also three neobanks that kicked me out but I know the founders, I like them, and it was the underlying partner bank's fault not their fault so I won't name them. Now, thankfully, it's all over and I can talk about these things. But the problem isn't actually resolved. Banks still auto-cancel your account when they get a government subpoena, the process still sucks for people when it happens, and every bank and brokerage that kicked me out in the past is still inaccessible to me. Even though "operation chokepoint" ended under Trump, everyone who was affected by it previously is still affected. One solution to this problem is new banks that are willing to stand up against this practice, and that's why I'm excited about things like Palmer Luckey's Erebhor and William Hockey's Column. But it only works if they make it a point to stand by their customers through thick and thin. I hope they will do this. Of course, we all know the ultimate solution, though: Crypto itself. The very thing that scared the politicians into de-banking us in the first place will be their eventual downfall. They can delay it but, thankfully, they can't stop it.

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