I agree with your points.
I think HIVE is bleeding out because of such high interest on stablecoin. Makes no sense.
I understand if such interest is offered on HIVE token itself, but why on stablecoin??
There are better way where to use some extra funds than distribute it in form of interest even for users who do not participate in the project at all.
RE: 4 Reasons for Lowering the HBD Savings Interest Rate