Thanks for your opinion on this as a witness. 20% would be great and I suppose it would result in more HBD locked in, even by those who are transferring every cent out to exchanges.
I believe most people who take advantage of HBD interest will also have Hive powered up. While the ratio may change with an increased interest rate for HBD, I am not concerned.
Both have their advantages and a I say keeping a healthy balance between HBD in savings and HIVE staked is the answer.
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