I think the ability to lock my savings accounts down would be really cool, though I’m unsure how it could be done. My ideas there revolve around either a 3 day waiting period with mutliple reminders, having a trusted friend “sponsor” you and unlock the savings required (AlcoAnon style) or perhaps even a limit on what you can withdraw in a specified period of time, with cooldowns for changing it.
Also, an ING style Automatic Roundup system would be really neat. I know they round transactions to the nearest $1 or $5 when you choose, and it can tie in with the lock to say “you can’t touch this for X amount of time”.
What does the community think?