Nobody is doing that now, with regular money, either.
I think it's more for ACH between banks as well as some banks have limits. Also, a government literally stepped in to actively block people's accounts. Just because you can swipe your card and buy a soda, doesn't mean there aren't restrictions or people being blocked.
Deputy Prime Minister Chrystia Freeland said Thursday financial institutions have moved quickly to freeze the accounts of people linked to the demonstrations in Ottawa, leaving an unknown number of protesters in financial limbo