because nobody could hack a stopped account
Do you mean a locked account?
This would be impossible to hack into as it would need the forum admin to unlock manually when adequate proof is provided.
wallet is not an easy thing to hack into. All the "hacking" so far in crypto required participation from the hacked person, when that person is dead there is no way.
It is impossible to bruteforce your way into a Bitcoin wallet.
The only way it can be breached is if the owner is careless with their keys or device.