Editable fields in macros

It would be nice if we could set smart text, smart list, or editable fields in macro tickets. 

For instance if I want to make a personable email to our users but will be sending to multiple users with different field amounts/names I cannot make a general macro for all the users. 

If I want to reach out to users with payment problems I would like to write a sentance in the email such as "We tried to run your payment but unfortunately it was [declined,returned,rejected,etc]". 

It would be nice to be able to put in a smart text (open short answer field) or smart list (drop down with prepopulated options). Then you could Tab through these editable fields to fill in the email/note appropriately.