I had the same experience. When given the option to override, the whole experience is ruined for me.

I’ve often thought of a lock out for investing. “I’ll buy this stock, and I’m not allowed to sell it for 5 years”. A hack is to invest in early stage startups, where you’ll often not have an option of selling early. Anything listed on a stock market is the opposite.

From what I can tell, it’s possible with scripting Bitcoin, to not allow a transaction for X years, but no one seems to offer this in an easy to use way