Funny enough, in your specific case you can do just that. With stocked KPs the only thing you're losing is daily slow accumulation, which is 168KP a week if you're diligent.
You both are right of course, the Inno mind does not want us to finish a chapter quickly, in my case it is not KP that I am lacking; it is the goods requirement that has me blocked both in Chapter 15 and way back in Orcs where the problem is more because I am not building enough mushroom buildings to save space for the upcoming FA. Yes, that, the FA, also has the affect of slowing a player done. These Inno people are very adapt at that so in these cases, it does not matter how much KP I can store away. CrazyWizard was able to collect 2000kp; that is amazing and if that is the case, for sure that could not be allow by Inno.
For me it is a matter of "waste not want not" of a few KP by comparison to 2000. This "bank" idea came to me during the Event after winning KP that over loaded my queue while being blocked. Daily accumulation is one thing but winning a lot of KP is another matter. I don't see that "banking" it and later taking it out as instants would aid me very much in zipping though the Chapters. Come to think of it; it would never help since instants cannot be used in research. All in all, I just like the thought of being able to use the KP when I want to use it and not have to use it to get rid of it from my queue. Come on friends, what is wrong with that?