Last time I mentioned the issue of withdrawal being restricted. Although the risk control systems of banks or Alipay and WeChat are becoming stricter, it's still best to operate normally to avoid these risks. I forgot to mention one thing last time: when withdrawing from Alipay, if it's a transfer, make sure the merchant adds you as a friend first. The risk control for transfers between friends is relatively low. Currently, this method has a high safety factor; all my counterparties are transfers between Alipay friends.
If it's a bank card transfer, the most troublesome situation is when the other party tells you their card is restricted and then says to use a family member's card to transfer to you. I think this is likely to be a trap.