If we get rid of SBD and "savings accounts", now that the liquidity of STEEM Power is very greatly improved, we can simply increase the amount of return on held STEEM Power. It can never go back to 100% per year however LOL.. sorry about that! :) But perhaps 9.5% inflation + some % of interest?
If people want to transact with STEEM no need to have it readily available in savings, or in SBD, they can simply buy some if they are unwilling to power any down, or to keep some on hand as STEEM. Savings accounts is a feature that was added because it was possible, but when you think about it they serve no purpose, other than earning a little interest. STEEM and STEEM Power .. they are all we need.