This is something many freelancers do not fully understand until they are already in a dispute. When an account gets suspended, especially for a policy violation, some platforms do hold back part of the earnings as part of their investigation process. Whether they can permanently keep it depends on their terms of service and sometimes on local laws. Reading the fine print before trouble starts is something most people skip. Have you ever looked into what your platform is allowed to do with your money if your account gets suspended?