I think it's hard to figure out without experimenting. But my conclusion from the feedback so far is that most people are too fearful of potential downsides to the change to try the experiment. Since it only would solve a problem that most people don't seem concerned about, I'm not sure it's worth much more time to analyze.

@edicted 's idea for a lending system might generate enough interest to overcome the fear though. But it's more work, so would need some analysis of the work required first. And unlike probably most people here, I'm not really super invested in current trends in DeFi in crypto, as my own ideas are much more radical. Nonetheless, if it's not too difficult and there was sufficient interest by the community, we could put someone on it.