QuickPowerDown

Could be a solution?

I think that to overcome the need for greater liquidity, some people as your friend may have, it's better to build a rapid disinvestment system based on a penalty consisting of the cost of renting the SP of the 12 installments subsequent to the first.
That is, the system will have to recover (from the market?) 12 SP rentals, each with a duration of 1 to 12 weeks each.
Do you think it makes sense?