I agree that I can not picture any business putting in money right now,

Oddly it never seems to matter when the markets are hot.

The coding isn't that hard, it is the process of getting it approved and dropped.

I'm sure it would require a hardfork. which requires someone to write the code. Then it has to be worked into a testing zone, approved and 19 witnesses controlled by the Freedom account have to agree to drop it.

I heard whaleshares made it harder or more expensive to flag... I wonder how that is going?