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I don't think it is a question of being right or wrong.
The question to me is: what is the purpose of 20%? Are we handing out free candy or is there a win-win somewhere?

15% HBD debt seems like a reasonable figure to have a serious debate about where HBD is. In fact, I would have preferred it if the debt limit hike was to only 20% to begin with, and then to reevaluate.

It is clear to me that the reason for having a 20% APR was to be attractive to new investors. Our problem is the visibility and not the sustainability of the blockchain.

It seems that is the case. We are handing out free candy but we are not getting more (active) users on the blockchain in return.