How long does the cash on your Apple Card stay in the account or on the card?

Funds stays in your Apple Cash account until spent, or until your account goes under review for possible violation of terms & conditions you agreed to when you opened the account.

If funds remain on an account and the account has no activity, it will generally be declared dormant after 2 to 3 years. Dormant funds must be forwarded to the state of last known residence for the owner. The account is then permanently closed. Funds can be recovered from the state by filing forms and declaring ownership to the funds.

So, does that mean when you don't spend your cash on Apple Cash, they will review your account? How was that a violation?!