Thanks for shilling my bank account idea. It's not getting much traction. I think if such a thing was implemented we could even talk about abolishing the zero-sum game of curation. If you want ROI simply deposit into the bank accounts.
Add to this the ability to use the bank accounts to double as collateral for loans (HBD creation and destruction), and we can fix HBD and peg it to the dollar x1000 better than it is now, while keeping the money in the bank accounts locked their if users took out said loans.
As long as the reward pool stands as a valid way for wallets to earn through posting (widening distribution), I am fine with doing away with the arms race that is curation. Your banking idea is quite good! I will read more about it!
I'm sold on the idea. It would be good for Hive. It's a good idea, from a witness even.