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

I think it's fine. As a platform we are still very much in the experimental phase. Our advantage is being able to experiment with changes relatively quickly. Rather than debating about it a whole bunch, it's probably more efficient to just implement it if it is relatively simple to do so and the potential downsides are likely manageable.

Go for it!

...If we don't like it, we can always change it again.