Great post, I agree with you. I wouldn't want to empy my "saving accounts" all at once.
i think we could keep the maximum withdraw at 1%month, but let's make it possible to have smaller withdraw.
Something like a 6 week Power-down for upcoming travel, etc...

I actually just published a video about it here: https://steemit.com/inflation/@alexfortin/the-inflation-of-steem-explain-why-is-it-good-for-you
Let me know what you think :)