I can't speak to that specific issue but, as you pointed out, life is full of uncertainties. I mean, even last February we didn't know what was going to be happening in March and April, and look at how our lives have changed. We can't anticipate that. This is why I feel that people should be allowed to build up their funds and use them for however long they want. There's always a risk that these funds will dry up, and we can't leave people just totally in the lurch. You could think of it as sort of like a forced savings account, a TFSA, if you will. You would pay it back later if you had to use more than you had.
What I feel uncomfortable about with your proposal is that we have another rule, with another date, and it will be fixed and things could be different. I'm just looking for a more flexible way to address this important need with the demographic risks. Family risks matter as much as workplace risks sometimes.