Yeah maybe 1 year is a good enough time, if not generation payments like son collects the father's withdraw and so on. In case there are 2 children then they will be given half each and what they withdraw will be paid to their children, after all whats the rush?

You know what? you have the negative feedback because you applied the same theory in loans and repaid them very late, if at all paid. Not everyone is so patient and you learned a good lesson.