I think I may agree with your comments on how your money is properly save for a longer period. In my opinion, I think I would rather place in the bank and have it deposited into time deposit at least the interest is much better than the ordinary interest from a savings deposit. Another way that I consider saving money is to invest in lifetime insurance where you are guaranteed of a good return of investment.
I approve of what you have said. Storing your money in the bank is a quite good strategy. Even if you want to withdraw them, you will get lazy to go to the bank. On the other hand, sometimes getting the urge to withdraw money happens because we, people, need money in our daily lives. With that said, withdrawing is the only option. But I salute the ones who have strong determinations and willpower. They deprive themselves of many things in order to save for future purposes.