"Citizens' savings, whether active or dormant, remain private property," Bismark noted. Dormant accounts do not constitute abandoned assets merely because they have remained inactive for a period." Rather than treating dormant bank accounts as a source of government revenue, ILAPI urges the state to focus on structural fiscal discipline and institutional reforms. Furthermore, state institutions should strengthen accountability and anti-corruption mechanisms to recover misappropriated funds rather than targeting private savings. To ensure proper governance and safeguard constitutional rights, ILAPI proposed that Ghana establish an Independent Unclaimed Assets Trust rather than absorbing dormant accounts into the national budget.