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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.