that's a good concept!

i guess the exact numbers would vary with the game.

Is a bad idea, i am a (3) rating & sometimes when i play, the phone or door bell might go.  Why should i & other higher rated players be punished for this?

No one is getting punished.  People who can't think of the right move as instantly as an expert will get more time to think.  So the lower rating will have a little bit more of a chance to win than he did before. 

Though come to think of it, it seems people in the middle are the ones who need the most time.  A gray shield will move fast because it doesn't take long to think of a bad move, a red shield will move fast because he knows moves by memory and in general can think fast (or his program thinks fast lol), but a yellow or orange shield is at the stage where he knows what a good move is but needs time to find it.  

lol lewis this is about chess