If you roll over each of the 401ks into two IRAs
From what I understand, you could do exactly what you want and get >4% from each of two IRAs if that is what you chose to do. I don't think you need a law change?
Of the three withdrawal options:
1. Required minimun distribution,
2, Amortization Method (single life),
3. Amortization Method (joint life).
Option 2 will give you the highest withdrawal of the three methods plus if your spouse is listed as the benificiary would get the funds if you exit early. Don't know why anyone would use the 3rd choics? Your withdrawal amount is fixed until 59.5 (although you can make one adjustment during the term of the 72t to a lesser amount).
Unless I'm missing something looks like it would not take much to make it happen? If you have not done so - check out one of the 72t calculators Fidelity Investments: Site Search
just be sure to not enter the beneficiary if you want the individual calucation.