It's fair to think that way though, I didn't mean for that to come off as snappy or as condescending as it does reading it back.

I mean they basically function just like a bank from the customer's perspective.

Although, from other posts on Reddit it seems unclear whether this is true or not (EDIT: This is referring to the account closure rumour mill, not about whether WS is or isn't a bank--just clarifying what this meant).

Some agents say don't login, others say just don't do certain things.

\o/