You were proposing differentiated APR for HBD in savings, based on the amount of HP the account has, and that doesn't require any work apart from splitting the HBD in alts.
For HP, not sure how differentiated APR would work. Based on what? But I agree (from the experience of working with only a few accounts at most, and for different purposes), that if one has to grow each account actively, this isn't working, because time is finite.
Ah yes. For the HBD that is true. That is why it was just a thought exercise. It is an absurd approach and not one being advocated.
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