There are a lot more reasons not to use them. Like their arbitrary way of doing business, putting small owners out of business because they simply do not get their money.
Locking people's/businesses' accounts for "questionable" funds. By locking I mean they were keeping funds from being released from accounts for long periods of time. Enough so that 2 of my friend's small businesses ran out of funds and ended up having to shutdown. Among a ton of other things they were doing. The fund locking locking was just the worst they were doing/have been doing. (They will still do it.)