To add to more to Puneet’s guidance….
Why does energy remain in water till its consumed?
Because water is ONLY A MEDIUM TO CARRY the energy, the energies remains in water and does not drain or get utilised.
In case of clothes or accessories when you wear them, the energies get transferred to the wearer , so if you charge the clothes and just don’t use them, the energies would stay.
Here again the clothes are only a medium.
With regards to bank accounts or resumes or products, energy is getting used up to promote or enhance them or increase their face value, so one needs to replenish them !!