The problem I'm trying to solve -- I want to move my crypto off exchange, but I'm afraid I will be hacked or lose my keys.
Solution -- wallet that takes 1 day to settle every outgoing transaction. During that one day, it scans the blockchain for my public key to see if I cancelled the transaction. (You could set up notifications for every withdrawal, so you know if a hacker is trying to withdraw).
After 3 cancelled transactions or 1 year with no transactions (keys are lost), the wallet sends all its coins to another address (possibly in some custodial account, arbitration code, or a friend's account).
Usage -- keep 90% of money in safe wallet, and 10% in hot wallet to do stuff.