And especially when paired with the explicit language of “all of your…”, “full control”, yada yada.
So I guess then the only time to “see” that ones expectations may not match reality is when you try and use a feature on the Joint account for the first time?
Either way I think it should be made much clearer.
Edit: And even if it’s made crystal clear in the terms, it still needs to be reflected in the advertising material, as I would say not working on a specific account type is a significant term and shouldn’t be contradicted by the marketing material (even if that’s a contradication by omission)