Very interesting thanks for sharing!

However, I am in complete disagreement with you. First, I think that you overlook the power of incentives. Writing good code takes time and effort and review... You said that the EIP would be used by business but they are the one making the trade-off between time to code and the cost of loosing funds. Also, I think this might encourage the centralization of funds since one might be more secure to have everything at the same place instead of bearing the cost of decentralizing for security reason.

One of the reason for the existence of blockchain is to have a mutual truth that is shared on the internet. By playing with it we would loose the purpose for decentralization. By changing what used to be the truth, we introduce a point of failure in the blockchain and this is even more critical if that point rely on individuals.