of course, in your case, they might not be, but there are always alternatives. i can say at least for years of cex buys and now non kyc buys, I've never had an issue.

that being said, rev, wise, PayPal, are all hot wallets to me, not for holding large balances, they do enough shit and close accounts without crypto and their support is garbage ai. whereas at least with my actual bank and i can call them a talk to a person etc