I know that it is possible to secure a deposit in the bank with any type of asset, but with the possibility of permanent disposal of it, meaning that its owner cannot ask the bank to lock it.
What I would like to ask is whether this product exists in the banking system of your country and why, in your opinion, are there central banks that do not allow it? Also, is this possible on online virtual banks?
My personal expectation is that this will be possible with some small local banks or state postal institutions. I also expect that this is not allowed in other laws because I have not heard of it much.
Do you mean the safe deposit box service offered by banks and postal services? With the banks, I think there are fewer people each year who use the service although the service could still be available to some paying customers. I don’t think there’s any central bank that would disallow this particular service as the whole idea of the bank is to safely safeguard and keep customers valuables.