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RE: What if it just takes time
What might be interesting too is having a separate key for the savings wallet that allows it to function as cold storage for Steem so even if an account is hacked, the savings are safe. It could still be integrated into the UI the same as now for ease of use - perhaps a "convert to cold storage" option.
I'd love the concept of an added key that isn't used for anything except for the savings account deposits and withdrawals. Yet normal posting key for daily voting on posts.
You might like to read my latest post. What you said reminded me of an older post that could give a hybrid option.