And now we have Hive.
And Hive seems pretty good so far. Although it is certainly more centralized than it appears to be on paper because of the dreaded Sybil Attack. We have no idea how many whale accounts are actually controlled by the same person. But so far it's been going pretty well so I'll assume we've reached a "good-enough" scenario of power balance.
And that's why no one is ready to invest in HBD - because tomorrow the interest rate will be lowered to 1% and there's nothing you can do about it - it doesn't look like decentralization at all. If it was a smart contract for a certain number of years with a fixed interest rate, then many more people would want to put money in the "bank"!