Someone whose coins aren't staking for just 24 hours out of a month will lose 1% value (coins are ineligible to stake for 4 hours after moving and can't be moved for 8 hours after staking). This will likely lead to increase concentration of ownership over time.
People should manage their wallets such that transacting with a portion of their coins doesn't affect the rest of their coins. The Just-Dice hot wallet transacts constantly, and yet is very able to continue staking at all times.
That is entirely missing the point. JD can have a large staking wallet backing a relatively smaller amount of activity
because it has a large amount of capital. People who aren't as well-endowed with their CLAM will have a much smaller ratio between backing stake and active coins. In other words, this will further concentrate ownership, and discourage activity.