There's a whole bunch of stuff here that has a lot of appeal, but the one thing that increasingly ran through my mind as I read this is the reality that this starts looking more and more like a SECURITY, and that might suddenly start attracting the attention of regulatory bodies that will want to try to put up fences, restrictions, stumbling blocks and scrutiny we perhaps would rather not have.
Hence, I think the vast majority of what you are talking about here is very attractive, but I would leave it on the long-term burner — perhaps even developing it as far as being a "turnkey" project — while taking a step back to simply observe how the crypto-regulatory "cookie" is going to crumble, over the next few years.
Absolutely, "Hive is decentralized," but I don't think we can afford to be too smug and complacent about it and attract unwanted attention before attracting a lot more wanter attention.
In the meantime, maybe a "hybrid" system more along the lines of legacy banking CDs... there's a "spot (cash) interest rate," and a "one month" rate, and maybe a "6 month rate" and a "Year" and "five year" rate.
You can take your HBD out anytime you want, but you forego all incremental interest + some additional percentage as a penalty for early withdrawal. The accounts should still have a "live ticker" showing your current earnings, so people would know exactly they'd be losing if they took out their balances early.
=^..^=
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I think the point is that Hive is very hard to regulate. There isn't a central entity, no corporation etc. How can one regulate something that is essentially code? The only way I see is that it could be delisted on CEXs or be "banned"/blocked from the internet which is not really possible.