You're right! It's rare we've ever been given an opportunity to take what we have, fine tune it, and make it work. And there's no reason why some of what he's proposing can't simply be added in as an OPTION for those who would be interested. Not completely change things and force everyone to be interested, or leave.
That savings account feature sits idle. There's no reason why that can't be used for an investor to collect interest at a higher rate than one would holding HP. But that interest should still be a lower rate than what one receives for using HP to actually contribute and earn rewards. I understand that investors want options, so give them options on top of what we already have. Then take what we have, make it better, and market the living shit out of it.
There you go, that's one of literally hundreds of things we could try. To say, we've been trying for 4 years and it hasn't worked is to suggest that there's actually been iteration, but there's only been stagnation. We need to ACTUALLY have some time to try things and now with STINC out of the picture, that's a real possibility.
There's definitely massive potential here with this concept and I've known that for years, but for years I've watched that potential being squandered by people who simply refuse to look past their own self interests. I don't want that to happen again.