A change of address led to our Wise accounts being shut down

At some point customer service died. Businesses of seem to no longer be interested in dealing with customers. Good customers come in all shapes and sizes, and often don't exactly fit a cookie cutter. It's frustrating to see businesses just cut and run the moment something becomes a problem that needs more than a series of pre-scripted responses to be resolved.

That's what you get for the low cost of entry. When most customers are self-signup (and probably low margin) there's no individual responsible for them.

Good in that you never have to speak to a salesperson, bad in that there will be no-one to take care of you if things go sideways.