Logic to prevent expire user from system?

 Experts,

I have a Agency user (Channel partner) record have Cancellation Date.

Agency user should be able to access the application until User Cancellation Date, so that only active users are allowed in the system. 

 I am thinking of a solution like this,,,correct me if am wrong or if any better solution please advice so.

Step#1 : A new view will be created with a message “Agency user cancellation date is reached……………..” 

Step#2 : A new responsibility will be created and will have the view from step 1 associated to it.

Step#3 : A new Workflow process will be created to remove association between all users of that agency and all existing responsibilities and associate dummy responsibility( from step #2) to all users of that agency. This workflow process will have a check on Agency                 user cancellation date and proceed with the next steps only if the conditions are met.