Even when HF20 was a complete failure , your issue seems to get solved with v0.20.4. It was a bug according to the new post of @steemitblog.
Still resource credits seem not to be balanced yet. Actually an account with 15 SP can do after recharge two comments. Even when the resource credit budget will be multiplied by ten (which is part of v0.20.4) they still can just do 20 comments before their resource credits need to recharge.
Maybe everything gets better at some point but as far as I know STINC this point will be in a few months.