[2023] What do the padlocks mean in the spire?

These are part of the multiplayer aspect of our weekly Spire of Eternity Event. As this counter fills as each member if the Fellowship contributes crystals by completing Chests. These then unlock at these points to release the rewards that are granted at the end of each week. See our wonderful Wiki here for full details.
The ''do you wish to use saved points'' refers to the Perks system to assist Fellowships to unlock more rewards based on the accrued points the Fellowship has.