Interesting writeup. It is tough to quantify where we would be at with or without the 20% APR in this particular cycle during the highest inflationary situation since 1980 with a housing collapse starting in bubble cities and American consumers tapped out.

Some of the benefits not mentioned are the fact that this allowed more economic activity to bridge back and forth from the Binance Smart Chain through CubDefi.

I have assessed other setups and through inflation other platforms like BiSwap and Pancake swap are essentially paying around 20% to stake their tokens. Also with old masternode systems like Pivx it is paying out right around 20%. Those systems clearly have more risk from price depreciation.

It seems like 20% is the equilibrium point currently because inflation in the US has been running at around 20%.

I think overall the benefits of 20% APR haven't been fully realized because enough systems haven't been built to take advantage of it.

For the 20% to workout in the long run I feel that the growth has to outpace that payout which you detailed. That's unlikely in a bear market where there is an unprecedented attack on crypto from the SEC.

We are making strides towards the ecosystem building out more.

This is truly the best Web 3 ecosystem.