One day suddenly, he got locked out of his bank account (a major US bank) and the only way to restore the access was to walk into a branch physically. This meant dropping all work and flying to US at a day's notice, assuming you are granted a Visa. He was fortunate that the customer service listened (though they were not the politest people on the planet). After jumping a few hoops and following some unconventional methods of verification, the access was restored, but the situation was scary for a few days.