Would this be possible to work into the wallet so there could be a slider or two that govern just a pair, SP and Savings and the respective power down period? Make it simple but then the savings could have a variable rate as well as the main wallet/account? At least this would give 2 options for everyone and then if needed they could go into other accounts and delegation.
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Steem Power is the variable rate savings account. The on chain "savings" account is simply a time locked account for security purposes only. A variable time lock on the savings account would seem rather doable. No promises though. Just my initial opinion on the technical difficulty of the change. All changes need to be discussed and weighed both in terms of importance and difficulty.