I would love to see sp inflation go to 0% - we can still make bank from crearive Author and curation rewards.

Then I would like to see the steem bank get it or some portion of it.

The idea would be to have the sp to steem powerdown stay at 13 weeks and then given people the inflation who want more liquidity ~ bank withdrawl time can be set from 1 day to whatever (or keep at 3 days), but interest starts from midnight utc and is paid once a day at 235959utc.

Its basically exactly what you describe....
I think it is a good compromise instead of that top '
proposal' right now. Which seeks to turn steempower into a short term investmemt and seems to favor scammers, account resetting, people reaping quick rewards, etc.