Other side of the coin:
I'm so happy! Someone stole my ATM card and tried to use it at bank ATM. The ATM was getting serviced and for some reason locked on the card and wouldn't give it back to the thief. Whew! That ATM saved me from losing a lot of money.
Yes, it's inconvenient when it backfires, but most people want such protections against thieves.
My rule is to always have accounts at two separate financial institutions at least AND to carry 2 different credit cards and 2 different ATM cards. That way, if one gets blocked accidentally, I still have money until it can get resolved.
