Regardless of your intentions, you may be treated as the wrongdoer here
Not likely. Just because you've heard of some idiots who try to pretend they 'just accessed some urls' while stealing and republishing other peoples data doesn't mean that the FBI (who would handle such things) is a bunch of raving nutters.
You're just being silly and making things up. Banks are regulated, they don't get to randomly freeze your account because they feel like it. Stop believing random crap you read on the Internet. The things you've seen reported on slashdot and other places are ALWAYS BS. Not entirely, but the story you hear is HALF the story. Its kind of like car accidents ... you can watch someone rear end another car on the street, and then they'll give you a story about how it wasn't their fault and it was the other guys and the give you all the right details to make it sound like they weren't at fault.
Second, freezing your account to prevent you from paying a lawyer will just result in the lawyer filing a motion to get enough money to pay legal fees, and unless you're a complete and total jackass like Kim dotcom asking for millions, you'll get the money to pay your lawyer.