Can we change the PDT rule?

The rule in 2001 as part of Regulation T, which governs margin accounts to maintain a minimum of $25,000 in account equity. This rule is intended to protect investors by preventing individuals from excessively relying on leverage and risking more than they can afford to lose.

I propose a few changes:

1. If you have a margin account, but are not using margin then don't increment the day trade count.
2. Increase the PDT threshold 3 day trades is too restrictive.