They are only pulling the rate out of their arses anyway so what difference does it make where they set it.
No economic forces behind it at all.
I would set it at 10% just for shits and giggles. I think it should be lower than hive apr.
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I feel like it would be more productive to LOOK at the system, accept it as is to the finest detail, and sell it. Not sit and tarnish its reputation by making it sound like it's on shaky ground because one likes a number more than another.
It's become clearer to me at least that aligning incentives would be a wise decision as well. Especially now that I can see examples of interference. It's a nice basket but I don't think all the eggs should be there.