I never said the interest rate changes depending on whether you are powering down or not. The power down rate is faster than the interest though. After that, you also have to consider the loss of value due to inflation. If I just sat here collecting weekly power-down payments without earning anything to replenish my balance with, things would start to get pretty uncomfortable after a while. My point was that you have to power up a lot first in order to get to the level where power down payments are even significant.
Getting out of steem completely isn't impossible at all. I know people that did it just by selling the keys to their accounts. Easy enough.
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