Interesting compromise and I'm glad this will be kept separate from the SMT fork, let's not add too many variables into HFs. I know this will add another layer of complexity to your wallet but I do like the idea of turning a wallet into a savings account and setting your lock-up period and getting a larger ROI based on your lock-up period this is similar to both fiat and crypto interest-earning systems which people understand.

I still think perhaps a quick power-down should incur e free say 5% burn of tokens to secure your power down. It will require notification and I think even some sort fo 2FA or hackers could abuse it. It gives users the freedom to add liquidity to the market and do more with their stake.