Thank you for the kind words.
You should be aware that there is never any guarantee of getting any interest on SBD. The APR is 'voted' by witnesses, and currently the vast majority of witnesses (including me) are voting for zero. I personally believe we should enable some interest at some point in the future if and when the SBD supply has receded somewhat from the 10% limit AND the price of SBD is not significantly above $1, but other witnesses may (and probably will) disagree for a variety of reasons including those mentioned by @timcliff in the post. So I would only say to wait and see.
followed, I can see why at +10% debt ratio interest would be a bad idea anyway. Thx for the clarification!!!