It's not a case of coordinated "alright guys we are going to lower everything" this was discussed months prior. And as I said in the post, the reducing posting rewards was purely my idea that I wanted to see what people think on, that's not being acted upon anytime soon. I think there are only a few witnesses who think something like that, it's not the general consensus.
RE: The APR On HBD Savings Should Not Be Lowered