As for this 25% on 1-year lock, I assume this would be set as parameter being 125% of 3.5 lockup at moment of locking. The same with other periods? Yeah, I get it, through the locking period it stays the same.
What I'm afraid of it blurres the picture for average person getting into Hive. Let's keep minimal needed complexity of layer 1. I wouldn't go as far as bonds and derivatives, and even if I would introduce these tools, I'd never speak these names.
Current financial world is of such complexity is unavailable for avarage Joe, it doesn't bring trust and creates this environment of exclusion. Let's have this in mind while creating alternative. It must be done in a very careful way.
And that is by design. Most of the financial system is cut off from the average person since they are not accredited investors. So the idea that we cannot create tools that can be available to all people isnt what cryptocurrency is about.
There is no complexity. On base layer, there is just another savings account, longer term and different APR.
They are potentials that will be layer 2. They are not base layer but time vaults is vital if we are going to build out a robust financial network.
That is true although most of that comes from ideololgy, ignorance, and laziness. The information is out there.
I get what you are saying but we have to build out a system that rivals the existing one, not one that appears the masses. The reality is 90% or so of the population is going to be sheep and simply follow along.
As must as people talk about everyone being involved, the reality is most will not put forth the effort to achieve that end.
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Speaking of derivates - what do you have in mind? Commodities, precious metals, currencies, bonds, stocks, stocks indices....?