I've been thinking about this. I think that it would be better to incentivize the users to invest in Hive Power, rather than HBD. Having a good APR on HBD is cool, but it should not be higher than Hive Power.
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It's probably ok for HBD to be more profitable than HIVE sometimes because with time HIVE inflation will keep decreasing, I don't remember off he top of my head but I think the target is 2% in under 20 years
But anyways, right now a reduction is welcome for all the arguments listed
The discussions around it are interested anyways, we evolve as a community through all this