Bank accounts already have contracts and terms regulated for the actual legal obligations. We "need" nothing else for shouts to the void as nobody gives enough

Bank accounts already have contracts and terms regulated for the actual legal obligations. We "need" nothing else for shouts to the void as nobody gives enough of a shit to set up and use more guaranteed terms and any arguments are just as timely, sane, and useful as saying we need to make blood oaths legally binding and have notaries for them. No we don't we really don't.