I pretty much agree with @neoxian @agrgroed and @blocktrades among the many comments I've seen under this discussion. Athough there are some valid and argueable arguments, The negative ones surpass the positive ones. There are many ways to exploit the system and you're giving users one more. And you must know how merciless are people around when they see an exploit. I can give you one, coincidencially using the bank. Let's say I buy 100000 steem, I power up so I can have voting power, I could use the bank for a full loan at the 6th or 7th day after powering up, taking a little hit in exchange for all that steem while still having 3 full weeks of voting power. I don't know Rick!