Generating value out of thin air is not an easy task. If the price of HIVE drops to a certain point and we hit the haircut rule, it can result in a downward spiral and push down the price of both HIVE and HBD for months. This happened before and it can happen again although it is less likely this time.

The point I am making is that 20% is good and witnesses were the ones who made that decision in the first place. The same people who are talking about reducing the interest rate, are the same people who increased the APR from 0% to 20% without any external push.

I don't care personally as I think it is not going to make a difference other than reducing the inflation. We are spending so much from DHF that the inflation reduction from interest is not going change anything.