Well, this is one where different people at different times need different things. For now what we’ve done is to treat is as the “picture protection” you get in photographic cameras to stop you from making a mistake and deleting a picture you didn’t want to delete. We’ve learnt that many people were using them in literally that way and having to contact customer support every time they wanted to make a change was a problem (both for the customers and for Monzo).
We’re exploring solutions with more friction (like nominating friends that then need to “accept” your unlock request or having you record a video saying why you want to keep that money lock and forcing you to watch it before unlocking… there are tons of ideas like that) but we’ll go one step at a time and always try to ensure that people can access their money if they need it (emergencies, etc.).