这个坑挖得不够专业。。。：）

1。direct deposit 很容易就可以改成其他银行或是credit union,不存在工资被冻结的问题;
2. After big banks like IndiMac, WaMu, LB, BS falling,有30万闲钱laying around的人居然没有其他bank的账户，唯一的钱都被冻结了！？
3。mortgage only $100k, even the house price drop by 50% the bank still have enough collateral to cover their damage after they foreclosed the property. There is no point to freeze his account.