One week probably would be too long of a time to wait for 5% burn fee. Because of the volatility in the markets, one might deem not worth losing 5%, since the opportunity sought may not exist in a week.

In combination with the whitelisted account if instant transfer to that account is allowed it could work. But now it complicates things a bit with too many operations.

I think there could be simpler solutions. 1) Users can enable/disable this feature on their account where changes apply after a certain period of time - 3 days to a week. 2) Power down the funds to savings, which is locked to 3 days by default.

I am sure devs can come up with much better solutions.