this was a very solid idea tossed around a few months ago: [Proposal] Anchor Guardians of the Galaxy and Protector of Collateral
i think the described contracts are straightforward to implement, but it is probably hard to get existing liquidators to switch over (would an increase incentive work? who knows).
ideally, as the thread’s author mentioned, the overseer contract itself would have logic to check the pay-down-loan contracts first.