There's a fundamental mis-understanding of the disconnect between the words "can't" and "won't".

Even if the law say's they "can't", doesn't mean they "won't". Sketch stuff happens all the time, and some clerk at a bank somewhere only does what they're told. I guarantee you that a long dissertation of bankruptcy law does not ensue.

Sure, even if they're not supposed to, have fun with the 2-3 year process of showing them they're wrong, and then actually getting the money back. It's MUCH easier to deal with if you have the money. Heck you can't get banks to move even when you have 100% of the law on your side with documents to prove it.

Moving money out of your ACH account is the modern equivalent of running to the bank at pay day to cash your pay check.