How to discourage early claim from Social security money/EPFO usinng user experience(UX)?

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 A possible use of Faceapp type AI to generate their old Avatar and then Whenever the user logs in the portal. It will greet them and say "thank you, you have saved XXXX.XX amount for me". When member tries to withdraw 5000. the avatar would say "Are you sure you want to reduce my 50,000(assuming interest rate of 8.1 for remaining years)?

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