I am all for making and better and this is a good idea. But there are two things to consider.
- A similar implementation already exists on bitshares and it is probably not too hard to port it to sbd.
- In sbd the collateral is payed by the chain itself. It is a mechanism to cheat out some extra rewards when prices of steem are rising. This proposed change will no longer allow to do that, but cheating never works out in the long run so that would probably be better anyways.
- The stability fee of maker is just bullshit, just remove it altogether.
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