I recently had a family member with a medical emergency in a foreign country with only 1 direct flight to cross an ocean, and there was a narrow window of time to buy the very limited supply of lie flat seats needed to make the trip so medical care could be resumed as quickly as possible.

It was nice to be able to spend $30k+ on short notice. With modern security features, there is no need to enforce an arbitrary time limit if the depositor accepts the risks.