That's exactly what we're doing. If you tell us about your savings goals, you can then "lock" the goals that you really don't want to dip into if you're overspending. We'll prevent transactions from going through, in that case. We keep you honest :)
Your presentation mentioned that goals may be allocated to CD ladders and the like - if so, what happens if you 'dip into' this? Wouldn't you be hit with an unexpected CD early withdrawal fee then?