Hahaha, this is why people even choose contributions. The young man does not trust himself with his finance and in a bid to establish discipline he went ahead to involve third-party to help him save his money.
I think apart from internet or mobile banking a lot of people trust banks because there are third-party institutions that are responsible for keeping people's morning respective of the risk. So at one way or the other we are often dependent on people or institutions to keep our money.