For example, one can already introduce all the fields of a record as local bindings, e.g.

let {..} = import "List.x"

or just a subset using, e.g.

let {reverse} = import "List.x"

Similarly for function argument bindings, e.g.

f {x, y} = x - y

The above is just syntactic sugar for:

f r = r.x - r.y

Such named arguments of course prevent arguments with the same type being passed in the wrong order, e.g.

f {x=2, y=1}

There is still some minor work to be done to better support inline type annotations on such patterns to make them more usable.

Your idea of unifying bindings with records is interesting and not something I have considered.