If I understand correctly, then Rocket Pool fits the bill.
It is a network (with mild centralization) that allows people to buy and sell shares of a validator pool. Risk is spread across the network in case of node failure.
Note on 1, the withdrawal key is separate from the validator key, such that one can validate but not withdraw.
Edit: Though I agree on 2, that in the long term the fees such networks will be able to charge will decline significantly.
If I understand correctly, then Rocket Pool fits the bill. It is a network (with mild centralization) that allows people to buy and sell shares of a validator pool. Risk is spread across the network in case of node failure.
Note on 1, the withdrawal key is separate from the validator key, such that one can validate but not withdraw.
Edit: Though I agree on 2, that in the long term the fees such networks will be able to charge will decline significantly.