I remember in 1972 I went ashore in Portland Oregon with my Barclaycard clutched in my hand and I went into a bank, I think it was the Bank of America. I wanted a sub on the card of $20.00, or I told them I could give them a cheque with the card to back it up.
There was a flurry of consultation with higher and higher ups until eventually two 'heavies' appeared and took me down the cellar. I got waterboarded, connected to electrodes and a thorough good heavy bad heavy interrogation for three hours before they dragged me back up to the floor and said: "He seems ok, give him his $20.00"
Hardest $20.00 I ever earned.
(I might be exaggerating just a tad.)