I'm amazed the rate is that high. I just delegated 20k for a month to a guy for 325 Steem...though I already feel rotten about it because I don't feel he's adding value to the system the way I try to with that Steem Power. Though, if you provide quality posts that others reward, I think delegation to the right people can be good for everyone. You have valid points as it definitely incentivises bad behavior.
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If the rewards were split 50/50 instead of 75/25 it would not be that big of an issue.