A simple new coin ideal to help everyone please give me feed back

We need a simple proof of stake coin that starts off at 10% proof of stake and will a increase 1% more every 30 days that you do not withdrawal more then 10% of your coins. if you do withdrawal more then 10% the proof of stake would go back to 10%

1 year 22% withdrawal limit 10% monthly
2 years 34% withdrawal limit 10% monthly
3 years 46% withdrawal limit 10% monthly
4 years 58% withdrawal limit 10% monthly
5 years 70 % withdrawal limit 10% monthly

10 years 130% withdrawal limit 15% monthly

20 years 250% withdrawal limit 20% monthly

30 years 370% withdrawal limit 30% monthly Max proof of stake reached

The ideal for this coin is to make retirement easier for people around the world and have something to pass on to your family

I would love some feed back in this ideal what are your thoughts? like on proof of stake rate and withdrawal rates

If you like this ideal please Upvote post

Sorry for the grammar I am not much of a blogger lol

BTW if a developer sees this and wants to run with this I do have a name for the coin (Vault of Savings) VOS