True, I have read enough of your gaming posts to notice. I still like to keep up with the challenge in your field of expertise. BTW, there was more context in my previous comments ITT.
As for your question, I have never said that here or elsewhere. Putting some HBD in savings makes sense for regular Hive users regardless of APR. If it is 2%, one keeps excess pocket money there and that is safe. At 20% people put in their rent money thinking they are safe when they are not.
The top complaint in the 20 APR Camp is "passive investors are going to leave". They never discuss why that would be bad. My take is that the sleeping account with ton of HBD and no transactions is useless (unless it is an alt of a regular user obv). Debt is not issued for fun. It makes sense to make it kinda loss leader to attract new people but the platform prefers to have HBD liquid and circulating as much as possible (when people cannot stand holding pocket money in HIVE and paying their $1.5 donuts by telling a dApp to send $1.5 worth of HIVE instead of HBD 1.500).
Going back to the original question: Putting money in savings is fine for the individual (as long as it is not too much) but the excessive incentivisation is something that the platform should not do.