I read your posts and comment (honestly I did not read all comments). What you point out seem to be right but I also like comment of @juanmolina, @gandhibaba and @bluerobo. I don't worry about HF21 because it will happen. Is there any chance to change it.
You concerned about the bidbots. I think they will change their ROI so less users can use bidbots but in sometime they will grow again to fulfil the need of users. I basically depend on the dapps so they will grow quickly and I can get the the same
payout as before HF21.
Some whales are not using their power. Will HF21 can bring them into business. I think that would be the key factor.
I agree with the above. HF21 may do that overdue magic. Cheers!