To tell you the truth, this whole debate seems absurd and arbitrary to me... 20% APR in HBD hasn't hurt us at all and I don't see it going to do it... Why change things when they are going well?
I also don't understand why 15% is better than 20%.
The only thing that is needed in HIVE is more marketing and less touching the parameters of a blockchain that works like a Swiss clock. And I'm sorry, I also do not have a solution to improve the marketing of this project since I am not a professional in this regard. Still, I hope that, at some point, someone is and does it but for this, we need more visibility and more exchanges that include HIVE and HBD.