[erik_seaberg]

When a payment processing system doesn't promptly cancel auth holds, customers definitely complain about being prevented from spending their money. This stuff should be table stakes but some retail banks are just way behind.

[KirinDave]

That is the reverse problem. Flippin' gas stations STILL have a problem with this that you feel acutely because the large holds. A similar problem exists with hotels, where they'll put a lock on a ton of money in your account.