I hope that not the reason why you think this way about my idea with decentralized centralized Checkpointing, but I think you don't dislike it just because of that. Anyways:


I know how PoS was "supposed" to work, but basically it's crap now without some mayor changes (even with your new rules additionally). PoS is allowed with wallets that have just 2YAC balance so just having such small PoS block doesn't add any security. On the other hand miners could do the following profitable:

Generate a bunch of small adresses and wait for them to be ready to POS. Once a pool found a PoS they keep it secret and mine a PoW on top of it. Most of the time they will fail to mine a block but they have more time to mine than the rest of the network since they can ophran 1 block. This gives them an advantage over mining without such and would result in loosing a lot of hashpower.

It also destroys the puropse of PoS adding any form of additional security. Where is the security benefit from having PoS-blocks with such little weight. PoS are sacre and unless they become meaningless for security (small PoS witout PoS-rewards). Mining pools wouldn't even have to own these small adresses, they could rent them or buy unpublished blocks. If they pay more than 5% per year even I'd consider splitting up but giving them a unpublished PoS-block is cost free.
A collaterall would prevent any fraud from the owners and would only be paid if miners actually lost some work.

This adjustment would also reduce the security benefits from having PoS at all so we could rather automatically increase every wallet with 5% per year and stop all that madness.