You sound like a crazy person. The actual relevant bit of law is APP 13[1], which has a definition for "holds", which shows the source of the information does matter. If you're going to go and quote half the law, but ignore the actual relevant piece, at least talk to a lawyer.
As an update, they briefly unblocked our account (after admitting it was a bug/issue on their end), and we transferred our money to OFX. But then they locked the account again, and haven't usefully responded beyond sending us some tips on trying different browsers, or operating systems... (yes, this makes no sense).
They've said they'll provide a final response/compensation offer, but that hasn't come, and they've locked down the account again.
I can answer in our case: as an Australian business that receives a lot of USD, precious few options for keeping that money in USD _and_ having it accessible via a debit card exist. This is one of them. Typically, we don't let much money sit in the Wise account, because as you rightly say, their terms are onerous as hell.
Interesting, thanks for the explanation.. Here where I am located I can accept payments in any currency on my business account in bank institution and spend them right away, but maybe I'm just lucky with location.
Our main, regular, actual, regulated Australian bank does offer a "Foreign Currency Account" in USD (and many other useful currencies), but cannot link a debit card to it, and it can only wire transfer.
Our regular transaction account with our real bank can receive USD just fine, but it will convert into AUD upon receipt, and spent as AUD with the attached debit card.
It's more effective to be able to spend USD directly, as needed.
Wise's offering (and others like it: OFX, Airwallex, Revolut) offer ACH, FedWire, Wire transfer, and a Debit card.
Tasmania (where I live, and am right now) is definitely _not_ the most conservative state. While this may have been true in the 90s, it's not now, and while we do have a Liberal (the right-most of the big Australian parties) State Government, they are the most left-leaning of the State Liberal governments.
I have been perpetually sitting on the fence about Devon.
My use case: before Google+ folded I saved all my history there, because 99% of this was links to pages on stuff I found interesting/fun/relevant.
So now I have a large amount of urls (some will probably be defunct by now but it is not relevant). What I would like to do is to feed these urls to something (DevonThink?) that could access the article, and index it so that if - as an example - I want to prepare a RPG campaign on modern day pirates I can just write in the search box ["pirates" "shipping" "modern"] and hopefully get a list of web articles that are relevant.
Now, I know that Devon has some sort of automatic indexing/clustering facility for documents you have on your HD, but it is not really clear to me if it works also with stuff you only have an URL to.
(If anyone has some alternatives to suggest I will be very interested - I toyed with the idea of putting together an ElasticSearch VM for this but it remained on the backburner for years).
