Firstly, thanks for opening up these proposals for community consideration - much appreciated!
At the moment, we can increase dissolve delay but cannot decrease. Is Dfinity planning to allow this to occur, in the event for example (referencing wpb) a death occurs and beneficiaries need immediate access to the funds locked-up (or perhaps if an unforeseen event occurs and the ICP holder needs urgent access to funds). Perhaps there should be some discussion around this and what type of penalties need to be applied if a staked account is unlocked and disbursed.
In the alternative, perhaps some smart developer may already be developing a defi product that can borrow against the staked ICP in return for another token (say a stable coin or an ICP-derivative) which can be repaid from funds (and rewards) staked on the NNS.