We dont know when we will see the Savings Bond layer added. When it is, the witnesses will have to determine what the levels are for each in terms of the payout.
The might simply add a bigger payout for a lockup or lower the liquid. It is hard to know which way they will go.
Until we see it coming out, it is just conjecture. Once the code is in place it is available, then the Witnesses can position it as they see fit.
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