I'm late to the party here @theycallmedan, but couldn't you just build a bucket (e.g. savings) conforming to those rules? You could keep the slow power down for people who want the peace of mind and have the 'rainy day' bucket for people to withdraw instantly with a penalty. Hell, I might keep some percentage of my SP in that rainy day bucket for emergency beer money. I don't know if technically it would be the easiest solution, but conceptually for me it is.