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?
There is a term for freezing personal savings, for example if you make savings for a child and you can give an order to the bank to freeze the money in the savings so that no one can ever take it before they unblock it. I don't know if that's what you're asking because I did it for my children even though the amount of savings in it wasn't that big.
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.
I doubt banks don't provide this service because as far as I know they are quite sensitive to people's fund issues. In fact, what makes people no longer believe in savings is because their value continues to decrease because money is unproductive. Whether there is a law or not we have to look on their website and now we are too lazy to find out about the problem.