Nah the IRS has frozen bank accounts multiple times merely because people owned cash businesses where they made sub-10k deposits on the regular without any intention to structure it. It's frighteningly easy to lose access to your bank account in the US.
>But that's not at all what happened in the thread we're replying to..
Don't think you have the information to say that.
OP didn't say what happened. I don't think we can say anything in particular is exactly what did happen without more information. Unless you don't consider the US a place with "a stable financial system and/or government" -- which may be accurate -- then this very well could have taken place in the US. I'm not sure you can infer where this took place.