I will add some simulations, etc, and do a historical analysis to approximate the time periods that are optimal.
This is not increasing fees: this is placing fees into two categories:
which types of transactions should incur fees
and out of that subset of transactions, which should incur a fee
You pay a penalty for withdrawing out of a CD for example or a 401k.
better yet, think of this as Uber Surcharge pricing on fees but for withdrawals over a certain amount that dynamically adjusts (just like surcharge pricing)
I will fix the LaTeX now that the glorious admins have enabled it on the forums.
Sam