yep, I've written multiple posts about this.
https://peakd.com/hbd/@edicted/hbd-the-ultimate-stable-coin
https://peakd.com/witness/@edicted/can-i-get-a-witness
We can use the savings account for massive ROI and and interest free DeFi loans and totally gut MakerDAO's exploitative protocol.
I read the "can i get a witness" post a while back, and tagged it for review again later, I recall it had some interesting ideas.