I would fully stop DHF funding as the apps those are funding are mature enough and they should find their own way of living not have a salary from HIVE.

Next HBD Interest can be lowered much more, I would put it at same level with HIVE inflation which should be around 5-6%.

But there are the big guys to the top that they would need to want to do this and initiate it. I feel that our destiny is still in the hands of few, thus not sure how decentralized we ended up.