idk if this is helpful. I just thought, just because a wallet is delegated to a retired pool does not mean the owner lost access to the wallet. Maybe it is a “set-and-forgett”-kind of person who just don’t care at the moment. In a cuple of month or years he/she comes back and maybe wanders why there are no staking rewards. The ADA collected nothing but dust but is still fine for resale 
With cardano-cli and native scripts you can construct such a wallet (or more specifically script payment address) already. The script would look like this:
{
"type": "any",
"scripts":
[
{
"type": "sig",
"keyHash": "<hash of payment.vkey owner>"
},
{
"type": "all",
"scripts":
[
{
"type": "sig",
"keyHash": "<hash of payment.vkey beneficiary of owner>"
},
{
"type": "after",
"slot": "<slot from when funds are claimable by beneficiary of owner>"
}
]
}
]
}
The owner can always spend the funds (after of before the provided slot), the beneficiary only when the provided slot is reached. The script itself is also needed to spend the funds. Such script address can also be combined with a staking key, which can be a similar script address by itself.
More info: cardano-node/simple-scripts.md at master · input-output-hk/cardano-node · GitHub
Ok should read all before posting… 
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