I'm sure everyone who knows when filing BK that you need to spend down you bank accounts.
This might not be difficult for some of us, but some people who file Chap 13 have significant incomes and are filing for reasons (such as lawsuits).
How are some legal ways to spend your account...

My son is 15 and has a part time job. It doesn't pay a lot but he wanted a checking account. Since he's 15 one of us had to be on the account with him, so I went with him to get the account and my name is on it. He wants to save up for a moped. If he starts accumulating a lot of money in his account...