DAFs (U.S. tax law) were never meant to benefit charities, they are a way to give donors a tax break today by putting money in the hands of for-profit entities like Fidelity in exchange for a vague promise to maybe someday donate to an actual charity.

https://blog.charitywatch.org/the-dark-side-of-donor-advised...

I wonder if Fidelity is putting a similar restriction on those age 70 and above who wish to make a Qualified Charitable Distribution (QCD) from their Traditional IRA to Southern Poverty Law Center. This would be even worse, since it is not Fidelity's job to audit the charitable deductions made via QCDs.

I've seen situations where Fidelity won't let you OR your spouse access your retirement funds if your spouse ends up in legal trouble. I really wouldn't keep money you need to be able to access with them. My friend ended up in prison non-finance related and his wife didn't have access to their retirement account (luckily she had other income sources).