I know lots of old people who have instant access to quite significant sums of money and many of them just don't need it. I don't need it. I'd be happy to opt-in to, say, a three day wait period on new payment recipients, but my bank doesn't offer that.

One of my banks as well as my investment broker have a three day wait to increase the maximum transaction limit.

I have them both set at about €150.

I think for the bank I can go to a branch to avoid the limit, but that will be with the full fraud suspicion of the teller.