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but then is steem less secure. is a part of protection the funds in wallet, after a week only 1/13 of your steem is gone if you loss your active key. So that would need higher key then active otherwise i dont like it.

This is true - more risk.

We can make it three days or a week instead of completely instant.

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Yes. It doesn't have to be instant, just faster than 3 months. I think many would pay a couple percent of their stake to power down within a week... as opposed to 13 weeks.