So far, I have never complied. I have a existing linked accounts that I can use to get money out of Wise. And I'm filling out the paper forms for Fidelity. But it's getting harder and harder. It used to be you had to hunt for the "manually link accounts" button, but they're steadily taking that away. (Fidelity let me try to manually link the account, and at very end said "hah! you actually have to give us your password.")
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