I personally liked the idea of say a 10 week power down time frame with the ability to do an instant power down while paying a 10% fee (with multi-factor identification and/or white listed accounts etc... as protection against hacks)
Not quite sure how I feel about the current proposed option. It seems to add a lot of complexity to an already complex platform. The learning curve is steep on here and this would make it that much steeper. Need to think about it for a bit.