Just an idea not fully thought through. More for discussion really.
I have heard soneone on here discussing a Vault where coins can be locked. Similar to that idea maybe there could be multiple wallets/accounts within one login. So that one can transfer funds back and forth. For instance if I am selling products I may want to transfer some ETN into a different “savings wallet”. But have my main wallet for normal everyday purchases.
I am not trying to over complicate the system but it could be a nice add-on.