In Europe, absolutely NOBODY should use those scam banks as their primary one, we have very strong regulations and having physical banks allows to have an immediate answer and contact guarantee.

I’ve never heard of account closing, money blocking and lack of contact in traditional banks (at least in Germany/France/Switzerland) while N26/Revolut ask for additional personal info to data mine like bank statements from family and friends.

I use one of these online banks just for virtual cards to be extra safe and no more than 100€ in the account