Sadly decentralization means that anyone can disagree with the value you're receiving and take it away from you. That does have implications for adoption rate that go beyond just 'this seems fair' or 'this seems like too much'.

In many ways, decentralization actually leads to less fair outcomes (in this case, there is a socialized reward pool with decentralized controls over distribution, which causes extreme examples of the 'tyranny of the minority'). A more centralized schema with checks to prevent individuals from economic harm inflicted by others can have its advantages... you can be censured by the central party, but that's a single party that you can track their standards and appeal decisions, instead of lots of parties with shifting quality standards and no hope of appeal.

Either way, please message me on Discord to talk about your Hive SBI. We can likely issue a partial (or full) refund. I will just need to do some analysis to get an accurate picture of what your options are.