The 13weeks is fine in my opinion. Yeah it enforces money management. And the choice is always available to either power up or not, powering up is accepting to the 13week terms and the incentives of staking that comes with it. Do you want to play or speculate? To speculate you don't get inflation incentives, but you get instant cash out.

At the extreme case, there should be a power down service that charges fees for the activation of shorter duration of power down. In that case, power down periods can be limited to 4weeks.

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