Personally, I'd say keep it simple. Everything in crypto is already far, far too over-complex. 10% APY is still a very healthy return rate for a long-term investment.

Of course, with my cynical hat on, I'd say that the biggest thing killing Hive right now is that the DHF isn't under control. It pulls out so much it reduces the amount left over for ordinary Hivers to earn in curation and author rewards. So play along; create a proposal that asks for enough HBD to sell and cover the shortfall in EDSI. Everyone who holds EDSI would vote for it, and that might be enough to get it over the threshold. It's the ultimate way to game the system 😁