How about having a self Governance Model in addition to a community based voting model in which a person wishing to lock their Zil will have the option to lock from 1-3 years.A person willing to do this will get a much more higher rate staking reward which can be used in combination with the Pillar protocol to get better rates and pay off periods…the higher rewards will also pay off loan faster …We can vote on this but the higher zil staking period will allow the person to pay off loan from the staked rewards itself through a smart contract …I believe any evolved society or culture in history has worked best where people know the right thing to do through self governance…We will have those that disagree and thats fine .Thats why we can have two Governance models .
This will also add stability in prices and increase the average of the staking period …as some will do it for 1-3 years through the self goverenance while others will be subjected to the community based voting periods