I can understand where you're coming from with this proposal. My biggest question is in regards to summoners. You could have 6 maxed out splinters to play, but if your summoner isn't at the league max, you could potentially get punished up to 7 times (once for the summoner and 6 more times for the reduced level splinters). Am I understanding this correctly? I really just want to clarify if this is the case, because if true, I think you'll see the most immediate and most profound effect on the summoner's market should this proposal pass.
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you need a silver deck for gold, if your deck is lower you will be penalized per card
No. From what I understand the card level gets counted even if it can't be played at that level. So if I have a level 1 summoner but play a maxed out rare card, I'd get full credit for the maxed out rare even though it plays at a lower level.