I feel like reducing the APR on HBD wouldn't change a thing to drive mass adoption. Where we should be focused on, and where I've perceived we can grow as a project is through applications. I don't know much about the tokenomics and all, but I believe the move isn't going to amount to much.
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I dont believe it is going to help. People arent going to buy HIVE for the APR, at least that isnt the primary benefit.
An asset like HIVE is bought, from the outside, by those who want a 3x or 5x. That is what they are looking at. For that risk, they are willing to potentially suffer some downside.
Fixed income instruments have different appeal.