I guess you're not understanding how it actually works. I believe you're misunderstanding how the inflation is being distributed Vs how much is Hive inflating atm.
Hive projected inflation for 2023 is 6,5%.
This 6,5% is then distributed as follows:
65% allocated to the reward pool (authors and creators).
15% Hive Power APR
10% Witnesses
10% DHF
The APR on Savings comes ON TOP of all of this. this means there is 'extra' inflation on top of the 6,5%
Assuming 7,5M HBD in savings, this equals to 1,5M HBD printed out of thin air every year.
Assuming 150M mcap and 1,5M HBD printed, this equals to 2,25%
So the 'real' inflation of HIVE would be approx 8,75% yearly (at 150M mcap).
It's assumable, as long as Hive trends up and not stagnate for too much time IMHO.