... imagine eth fork happening now, those millions of eth unlocked ...
The withdrawal function for staked eth is not part of the merge. Core devs will schedule enabling of withdrawals in a future fork post-merge, but no hard date has been published.
Really? since 2020 as far as I know, reason I myself have not staked my eth was because coins would only be unlocked as soon as the merger was finalized, that was the deal, did they change it?