Wow! Can’t say I was able to wrap my head around all of this, but there’s some incredible ideas here!
I will say that I power up as much or moreso for the stake rewards, myself, but splitting some off and earning interest on savings could be a solid trade off with some cool benefits (like the ones you suggest).
Might be useful to see LEO try it first (they seem to be able to get shite done) and then just merge the code if it shows itself to be successful, dunno how hard that would be though.
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!BEER
Using LEO as a testnet is a good idea. I don't think this system would be hard to implement, but it might be a lot harder to convince the network that it has immense value and that it is safe to use.