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RE: Proposal to make HBD interest payable only to savings accounts

It would be interesting to have a motivation to use the savings feature in the wallet. I've been looking at it since 2017 and never used it. For my little account, it has always made more sense (and cents) to convert to Hive and power up. But I do like to keep a few HBD on hand for games and things like that.

Would the unstaking HBD take place all at once, after 3 days? It's not like a faster version of powering down HP is it?

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Yes it is all at once after three days. All meaning the amount you request to withdraw from savings, doesn't have to be the whole balance.

The entire amount specified is unstaked at the end of the 3 days, there's no intermediate payouts.