I think interest should be paid out to savings accounts. I don’t know what the numbers should be though.
Unfortunately, witnesses don’t like setting interest rates for HBD. Ever. It’s been a struggle to get even a few people to use that parameter, so I’m not sure how successful that would/could be. It would require a shift in the culture and/or code.
Personally I don't think that function should be used, as paying out interest on debt seems weird. I think the Hive collateral being used to generate the HBD should instead be paid interest. So only the Hive in the bank accounts would accrue interest and HBD game-theory would be separate.
Yeah, that’s an option too. I think it’s worth exploring.