There are some seriously amazing ideas (and math) in here!
Introducing a CDP system could be a game-changer and I love the idea of incorporating the savings/bank accounts that are sitting idle to help accomplish this goal. Having investors, invest a large portion in a banking account instead of voting power makes a lot of sense and could help to solve a lot of the issues we're constantly grappling with. Allowing investors to earn a higher return is something i definitely support and, theoretically, might curb a lot of the abuse.
It's a brilliant idea, and i've heard others put similar ideas forward but rarely are the mechanics so clearly laid out. Having the MakerDao/DEFI example as a functioning model of a CDP to bring greater stability to the HBD makes me believe that this could work to benefit the ecosystem in multiple ways including raising the value of the token by locking up HBD in the CDP.
I don't know how much work is involved and on what sort of time-frame from a technical standpoint but I hope more technically savvy people take a hard look at your ideas here.
I also think a priority should be to burn the ninja-mine or at least a large portion of it. I think the optics are bad, outsiders may perceive it as 'stolen', I'm sure there's a case for keeping it as it was the original intention but I think that maybe there are other more desirable solutions if we can come to a understanding as a community.
Overhauling witness voting is overdue.
Other chains are looking at what happened to Steem and are discussing ways to safeguard against future attack vectors.
We should be the first ones looking at this as we have first hand experience in a having our chain overthrown.
Voting 1:1 or 1-token-1-vote should be discussed in earnest, there maybe a few options out there but so far I would agree it appears to be the best solution.
There's really a lot here, thanks for putting these ideas out there.
I think you would make a great witness in the future!
*edit - One more thing I wanted to mention is that I think implementing a rotational backup witness reward, where not only the top 20 have a chance to produce blocks and earn rewards but perhaps adding another 20 backups (20top / 20backups) might be a function worth exploring that might help improve the calibre of witnesses and spread some rewards to additional contributors.
Yeah extra backups isn't something I've specifically thought of but it's very in line with where we need to go if Hive starts gaining traction and we can afford to spread the wealth around a bit more for extra network security.
As we see on Steem, the backup witness can really stick it to the network when they fuck up, because the backup witness is including blocks that contain frozen account transactions, this causes the chain to become unstable because the top 20 have to roll it back... this is exactly what they deserve to be honest.
There are many facets of the MakerDAO that we can skip or already have. For example, the biggest attack vector of CPD loans are the arbiters that provide the price feed. We already have these arbiters and a price feed.
MakerDAO has a nuclear option and they don't allow bad debt to exist (print more Maker to buy bad debt at auction). We don't have to do this. We can simply let the peg dip as we always have until the market bounces back.
We don't have custom smart contracts like Ethereum, but we do have smart contracts. This network already knows how to freeze/unfreeze stake (bank accounts). We already know how to create HBD (if the network will allow it).
I'd like to say it would be easy to implement but as you say we'd need someone with the technical knowledge of the platform and c++ experience to weigh in.