The same thing nearly happened with me (obviously not the heartattack). When REserve Bank banned (kinda) exchanges. My bank sent me a notice that I couldn't deposit money in my account until further notice. My transactions got checked but luckily, I've not made any big P2P conversions so they didn't investigated me and from then I've never tried exchanging Bitcoin for Fiat. I get enough fiat for my daily expenses and whatever is left, I buy Bitcoin P2P in very small amounts. One more thing, I don't even have $10 in my accounts.