Finnish constitution and laws are pretty much unintelligible... Constitution itself gives just basic principles and leaves details to be defined by individual laws...
Chapter 2 Section 15 of Finnish constitution declares that property of individual citizen is protected.
Also, chapter 15 section 6 of law regarding activities of financial institutions declares citizens have right to basic banking services without undue expenses.
This means in practice that any action or fee of the bank can't result in negative balance of the account.
In that context, it's a good thing, no? This means the bank can't f**k you over with huge fees and surging interests that you have to pay for depositing money, instead of the other way around.
They can still charge high fees as long as it doesn't cause the balance to go negative... Some of my bank accounts have had zero balance for over a decade... I just keep them around for days when I need to give balance sheets to government. It makes me look better if I send them 18 pages of zero balance instead of sending three pages showing all my crypto and stock purchases, and sells..
Ah, you cheeky fellow 😉. I got you... I genuinely don't know much about Malaysia's banking laws, but it's certainly nowhere near bulletproof, as the news have caught on over the years. Though at least it's not as troublesome as some other countries.
It's usually quite easy to predict when we are required to submit balance sheets as it is usually same month every year or every two years... So I sell all my stocks and withdraw all money a month before and only keep enough to pay the bills... Then a month after I buy the stocks back... As long as I don't get more than 900 EUR profit each year from selling the stocks, it's not illegal to manipulate the balance sheets...