The service I'm offering isn't viewed as the perfect solution by many and I respect that. It's incredibly stressful dealing with account ownership and keys to be honest, let alone custodial funds and having active customer facing wallets.

A lot of what is said on the powerdown issue has some serious merit. That is why Hive.Loans was created in fact.. While at a network level it doesn't require any modification so to say, the application and lending model itself were designed to entirely side step around the powerdown period length problem. If instant or 1 week powerdowns were ever implemented it would nullify the need for that aspect of the Hive.Loans platform, that is why it offers more financial vehicles than just the lending part. Gotta "future proof" things. :)