Mm. It's a good point. Although why do you think the real inflation rate is higher? That's pretty worrying.

It's nice to have the bank, but ultimately that's not what's going to take the platform places. People should be at a bare minimum at least slightly more incentivized to keep HP and be active on the platform.

It's possible that thinking is, we'll keep the HBD interest high while the price is bad, then as things improve gradually lower it and perhaps slightly raise the incentive for HBD, but even if that's the case it might not be the best idea when we don't know when things might turn around.