I’ve never been able to figure out the difference and haven’t cared to dig much deeper. I use the freeze and have been able to unfreeze on the spot when needed

I’ve never been able to figure out the difference and haven’t cared to dig much deeper. I use the freeze and have been able to unfreeze on the spot when needed (I.e. at the counter at a bank). From what I could tell the lock is a dark pattern to charge for something that is free and (potentially) less effective than the freeze since, from my understanding, the freeze is regulated where the lock is not.