Okay this idea came to me after checking out the Maker platform.

I have made this suggestion multiple times before as well.
We need to fix the problem before the next bull run when SBD is $10 a coin and it overinflates the platform again.

https://steemit.com/curation/@edicted/curation-and-sbd-are-broken

https://steemit.com/sbd/@edicted/sbd-is-killing-steem

The MakerDAO is an amazing platform to borrow from. Steem could do it much better because of the three second blocks and no transaction fees.