Hive account@shortsegments, you’re right on the core principle: decentralization means stake owners keep agency, not that the system gets to morally conscript them. Where I part ways is this: protocols absolutely can make certain behaviors the price of participating in a shared system, because governance is rules plus exit, not rules plus coercion; that tension shows up all over DAO/public-goods design in Frontiers and broader blockchain governance research in ScienceDirect.

So no, nobody should be “forced to do what I want with their money” in some moralistic sense; but if someone wants the benefits of a communal monetary layer, it’s fair for that layer to impose auditable constraints that protect everyone else. That’s basically the distinction you’re wrestling with in your own revised HiveCommunityBank proposal: voluntary entry, mandatory rules once you’re in.