Cash Constrained with Available Retirement Funds??

If there is a binding maximum indebtedness, there seem to be two conflicting smoothing issues: smoothed retirement account withdrawals and smoothed consumption. The model's solution appears to be to allow smooth withdrawals until the indebtedness constraint is reached, and only then to permit increased withdrawals, and therefore require increased consumption to expend the accounts by the latest survivor's maximum age of life.

This is particularly unfortunate since my wife's expected age of life is three years greater than mine, so she'll get to spend more than me in the last years of our lives. Plus, if we both make it that long, we won't be sufficiently conscious of any spending we're doing to enjoy it.

Seriously though, this produces the counter-intuitive result that one is cash constrained (or needs to increase borrowing) with large amounts available in retirement accounts. Since I understand the main goal of the program is to smooth consumption over the life cycle, is seems that smoothing retirement withdrawals is by far secondary.

I know the fix in the current model is to insert a non-binding max indebtedness, but that's not the way a person would actually deal with the situation. In a calculator that is remarkably realistic, that's a goofy fix. Would it be too difficult for the model to use variable retirement withdrawals to smooth consumption instead of leaving all the heavy lifting in balancing to a negative regular asset value?