I like the idea of a turning Savings into a wallet address with its own private key.

I have a problem with the 25% "curation" the savings account holdings would get. That's A LOT for not doing anything. Savings account has interest, as far as I know, it's just set to zero. I'd rather switch interest on for it and set it to a certain (low) level.

In your presentation, it looks more like our regular Steem account would be the cold storage (and it is right now), and the Savings wallet will be the hot wallet, because you can withdraw from there instantly. But I agree the holdings in the Savings account, as you described it, should not have voting rights, either because they are inactive or because they are "hot" (as in potentially speculative).

I'm a believer in markets, not in burns or other artificial methods of keeping things "under control".

Yup, I also believe the Savings account needs revamping. So yeah, I find throwing ideas out there always beneficial!