She's right, unfortunately, she answered yes to both questions. She just didn't mention that it would cost something. Thanks. That helps me. I don't want to use that money either. If I have to use it, it's an emergency. And in an emergency, I don't care about the fine.
I don't expect to have to use it. If it's an emergency and I need the money, I don't care about the penalty, because the emergency is certainly greater.
I'm definitely not afraid of life! I just don't want my money to disappear. They withdrew €30,000 from a friend's account. They used my Swiss credit card to pay for several trips to England, and I've never been there. So don't talk to them if you don't know they've had negative experiences before.
I want to put the money in the account as security for my visa and not touch it. Only if something unexpected happens that requires me to access it. Can I do that then?