Roast my idea: A UPI round-up app that forces Gen Z to save by penalizing early withdrawals 💸

Hey r/SaaS, I’m a student currently preparing to pitch my app idea, Savora, to my school's administration, but I want to get some brutal, honest feedback from real builders first before I finalize my business model. The Problem: Over 40% of Gen Z users have no saving habit. Traditional financial literacy is taught in theory, but existing UPI apps optimize entirely for the speed of spending, not saving. The Product (Savora): A UPI payment app that saves by default using "Invisible Literacy." Every time you make a transaction, the app rounds up to the nearest whole number (e.g., you pay ₹18 for a chai, the app charges ₹20 and saves the extra ₹2). The "Controversial" USP: Unlike other micro-savings apps (like Jar or Gullak) that let you withdraw your spare change at any time, Savora enforces discipline. By default, your round-ups go into a Growth Pot (a simulated RD/FD that yields guaranteed interest). The Catch: The funds are locked for 1 year. If you withdraw early, you get hit with a 10% penalty fine. Users who want liquidity can opt for a "Flexible Pot" with anytime withdrawals, but it earns 0% interest. I know that getting 40 strangers to just say "cool idea" isn't real market validation, so I am looking for your honest critiques on the mechanics. My questions for you: Have you ever used a micro-savings or round-up app before, and if you stopped using it, why did it fail to keep your attention? Is the 10% penalty a strong enough "moat" to build actual financial discipline, or will the high friction completely kill my user acquisition? What are the regulatory blindspots of promising "Simulated RD/FD" growth to users? Tear it apart! I appreciate any insights you have.