This is a horrible policy, but it seems there is a possible solution (for people with good enough credit, which means the most vulnerable people cannot do this):

Get a mortgage on house that will take a while to pay off.

In order to “save” you pay extra towards the mortgage

In order to “withdraw” money (if needed) you take out a small loan against the house

Some bank should make a mobile app which does this, in combination with Zelle.

SuperHomeSaverApp

With free instant transfer between your bank accounts and home