One of my jobs is sometimes tracking down people who have skipped out on debts.  Now, I don’t generally pretend to tell other people how to do their jobs, but sometimes I just have to shake my head at the idiocy.  For one thing, I only take big contracts.  For the other thing, I don’t lock bank accounts.  If they are in debt enough that creditors are on them, they don’t keep their money in banks.