I'm not a fan. This proposal is essentially designed to increase the payout for the top guilds. cover it in any kind of wrapper you want, this will disproportionately benefit T4 and T5...a bit of good splash in T3 maybe...MAYBE...but 100% you are saying "Let those staying back from T5 lose All the penalties so they can advance and play by themselves with full rewards" and T4 benefits because those middle guilds there will gain spots if their betters move to T5...so more rewards for T4 and T5...some possible small benefit for T3 and NONE for those lower.
You said the problem is hurting guilds at all levels, but that simply isn't true...it's hurting the TOP guilds...