I believe that 20% is fair, the risk of cryptos is still very high compared to fixed income/equities and as the whitepaper was structured like this, we already had an idea of the inflation of the token, probably in the future it could be revised to 18%, however quickly changing the percentage would not be good for the token in my opinion
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If there is some change it should be gradual in my opinion. However we jumped from 0% to 12% and then from 12% to 20%. I think it will be more difficult to get a general agreement to do it the other way around ;-)
The Whitepaper does not suggest that the interest rate shall be 20% :)
Quite on the contrary, the very original one says that it is content creation, curation and commenting what should be rewarded from the inflation. Instead, you take a share of those rewards for activity and appreciate inactivity - passive staking tokens to Savings.
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