There is a catch. At this point 100% of the funds are locked. It’s been days since I can’t withdraw so not sure what you are taking about? You want me to be locked and on top to receive less money?
First, it is false that 100% of funds are locked. People have been able to withdraw quite frequently. Including the day you wrote your comment.
2nd, the consequence of this change is you will be able to withdraw your funds faster. Either if more people lock, or because debt accumulation is less and so there will be less to pay, there will be more available for people like you to withdraw, because there will be less competence for withdraw.