HBD is awesome and will stay awesome, (even at 0% APR!) because of the above perks.
I agree completely!
It is true that the 20% rate is great for HBD Savers, but at what cost. I'm not sure if it causes people to put less into HP or not. I have seen data and charts in some posts here, so I'll have to find them again and see what the data says.
I have seen something going on in Venezuela regarding using HBD at stores there. I think @hivesucre is at the center of this trend. I wonder what their thoughts are on the 20% interest rate. Does that benefit them or not. Would a lower rate slow adoption of HBD as a payment currency in their stores or not.
Also, I wonder about work on ideas from @taskmaster4450 in regard to implementing other locking/staking/saving of HBD such that longer pays better. There was a suggestion of a Hive Bond that might pay a higher interest rate for a longer amount of time lock, similar to bank CD rate tiers. Any insight @gtg as to if that could be a reality "soon"?
One other thought. In gaming,
you play the game and level up which unlocks better rewards. It might be cool to have several levels of HBD interest depending on how much you have in HP. Holding under 10K HP pays one interest rate on your HBD, holding 10K to 30K HP pays more, etc. That incentivizes holding HP. Play the HIVE "game" of posting/commenting/voting/buying and level up your HP to unlock higher levels of HBD interest rewards.
Interesting suggestion!
While those ideas are interesting I would rather want to keep things simple. Hive is already complex enough. Maybe with smart contracts dapps could do all such fancy stuff on a 2nd layer with their own economic models.
Thanks for your reply! There is lots of potential in 2nd layer experiments. Now we have hive-engine which offers some choices such as how many tokens to mint and unstaking parameters, but more would be needed to better gamify rewards. We'll see what hive-engine and other 2nd layer developers will offer in the future.