Bank employee: "Can I help you, sir?" "I'm going to take the liberty of using the safe deposit box." "A safe deposit box? We're not going to let..." Bank saleswoman (who knows me reasonably well): "MR MCKENZIE! SO GREAT TO SEE YOU AGAIN! DOUBTLESS YOU ARE HERE FOR YOUR BOX."
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The rule-rule is closer to "Must be a customer of this branch of the bank + must not be a member of a criminal group + must have a reason for using the safe deposit box which passes muster."
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The reason for the rule-rule is avoiding AML issues and operational risk for the bank (the bank really, really does not want you to put cash or gold in the safe deposit box and then e.g. give the key to someone else). For non-rule rule: boxes are scarce and high perceived value.
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