Ooh, I have a reason! I had a savings account started before I was 18, so both my parents’ names are also on it. Since it’s a CD, when I tried to get their names off it, with their consent, they said I’d have to wait until the period was over; so I didn’t close the account. Then, bc my dad’s owned business was/is being sued, the opposing lawyer froze my account as being part of my dad’s personal assets. Even though he only touched it once, almost 10 yrs ago when I “loaned” them money to close on their house.

At the time I was living off savings having quit my job due to mental health and burnout issues. Had to jump back in too fast and still ended up in the negative for a week between paychecks. I basically consider that money gone now. Not as much as others have or have lost, but still, it was my safety net disappearing exactly when I needed it.