Is there an easy way to enable a inactivity timer when using a TTY like in Ubuntu Server for when there has been no inactivity for X seconds, it will execute vlock and lock the TTY.
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Not sure about a pure bash solution to call vlock, but screen has the ability to idle timeout and require the password to unlock. Basically in bashrc you would exec screen with the custom config, but only if screen is not already started. The below link has this done in .bashrc and I would recommend testing with a new user account so you can disable it if needed, but this should work in /etc/bashrc or /etc/bash.bashrc as well.
https://www.ateijelo.com/blog/2018/05/02/lock-linux-tty-consoles-on-timeout