I saw that other altcoins are being created with the same ideas. We have competition...hardcore competition. This one called hyperstake  pays 750% interest on all saved coins. Its experimental and only x11 so not as efficient as groestl but the idea of encouraging saving is becoming more prevalent. I understand what your saying about having the freedom to do what ever you want with your money. What I'm saying is that some people actually want to make more interest on their money by putting it into those types of unspendable long term accounts. In other words I like the freedom to choose from different savings options. It adds diversity to the types of users you would attract. So right now the base POS system begins to mature after 7 days for up to 2 years at 20% interest and can be sold at any time during the maturation process. What I'm proposing is not to change what you already have but to add the option to make the account unspendable for the same amount of time with say 60% interest? and possibly in the future 4 years and 8 years options. I understand from a dev point of view this just sounds like more work but from a consumer point of view its exciting.