What about set a 20% HBD Savings for amounts lowers than 10k (HBD) or increase the HP APR for accounts with less than 10k HP. More stack lower APR.
That way you make sure small users are the beneficiaries equilibrating the map of power and getting there chances to grow and bet for the network.
I like the intention of the idea but sadly this will only result in people splitting up their stash for max profits
well, is something that will happend anyway, at least with this larger amounths will receive less interest. I don't see somebody creating 100 accounts to get the 20% when with one still receive a 12% APR. Until now this is the only idea to incentivize small accounts stack HP and HBD.