Tax point on savings interest

intalex

The way I see it, when one chooses an account where interest is credited in (be it obligatory or one chooses the option to do so), one has essentially the made the primary and overriding decision to take up the lucrative offer to reinvest that interest and achieve the very legitimate and widely recommended benefit of compounding. At that point, the product T&Cs become redundant in my opinion, and it is as good as simultaneously having received the interest and voluntarily paying it right back into the same fixed account because that is what one actually wanted to do from the outset, even if it means one may potentially endure the cash outflow of paying tax before accessing the interest.

Now to tax one more just because one didn't reluctantly force themselves to withdraw the interest externally (by amending product/option choice) and do something else with it? Does this feel right, and therefore, is it really enforceable or something HMRC would even consider a priority?