you can always take most off right away so you can have your hamentash and eat it too
Good point!
I still don't see where people see in the terms and conditions that amex can take one's money outright or hold for 60 days. In section 15 the first sentence might imply they could steal ones money at there discretion, but the second sentence "We will only close your Account if
there are no funds remaining in your Account (including your Reserve) or Sub-Account, unless you specifically instruct us to close your Account.." clearer implies they won't shut an account with money on it.
Could someone please provide proof that amex can hold the funds for 60 days?