What happen to dormant account? Meaning no activity for a long time.

What would happen if the account been dormant for more than a year to 3 years?

I mean no activity including logging in.

I got a few payment system got auto close due to inactivity. By the time I login check email its already too late. One account dormant for 1 year and another dormant for 3 years, there goes whatever balance money contain inside.

One give me 7 days email notice I only login once a month or sometimes 3 months once Another one missed by a day, a 30 days notice, I login on the 31st day. Really bad luck.

Those are payment system accounts, I wonder what happen with crypto accounts, if there's crypto or money in the binance account or none crypto or money in binance account?

Would prefer I get answers here instead of pm me in inbox for chat.