Simple warning will suffice here...here is a story to consider: Friend took a job as an auto repo guy. He pulled up to a car in the ghetto on his seizure list. Guy yelled out of second story window, put your hands on that car and that is where they are going to stay.
He quit.
I do a lot of blustering but if anyone seizes any of my funds I put away for retirement, funds I worked for, they are going to die. Period.
When this happens, you will be powerless. It’s all electronic and will happen overnight. Take the 20% hit. 80% is more than zero.