The strongest moral standard is one you would accept while standing on either side of it.

A standard is worth something only if you would sign it without knowing which side you would be on. Rules written by people who know they will be the enforcer tend to be generous to enforcers, and the unfairness is invisible from that seat. Not knowing your position is what forces honesty.

With a rule you are proposing, imagine landing on the receiving end of it, at your worst moment, with no one advocating for you. If it still looks right, it probably is.