In the U.S., if you have a bank account like savings or money market and you put money in and it makes interest, only after a year of only getting interest the account can go into dormancy. the bank can then charge fees to your account if they want. then after 7 or 8 years, the state government can take the money. depending on the state laws.
what if you are happy with the interest rate and don’t want to put money into the account. you want to just let it build. you can’t!
one trick is to move a small amount out every year.
if you are lost on a desert island, the banks and government can totally screw you!