Increase capital efficiency by adding a adjustment period before liquidation

In my opinion, loans that are undercollateralized should get put into a pool where they stay for an predefined amount of time before the liquidation of those is possible giving borrowers time to adjust their position and thus take out more on their collateral resulting in higher capital efficiency. If the collateral is under (for example, no could be voted on) 70% of the loan a immediate liquidation could be possible.