Like I’m not even sure what the APR being that high is supposed to be for. Not saying we should change it either, I just wish someone could explain it to me.

The original stated reason that it went up to 20% was to attract outside investors. I don't think anyone had any idea how to actually make outside investors 1) Be aware of us, and 2) trust us, the hope was just kind of to magically attract investment with a super high APR. I think backing down to 15% was admitting that idea had been a complete failure. Why it's still at 15% and not lower? Many witnesses who once set at 20% have set it way lower now. A few keep it high just to appease the masses who still want it at 20%. The average still works out to 15% for now.