So we have to opt-out of being insta-drain if our account becomes compromised. Wow, nice to know security is your top priority.

Now you say our rewards won't even be in HP, which you are taking 10% off the top of, in addition to the 50%. But if we want it in HP, there is yet another 5% fee if you decide to keep the 5% fee. So for every user, for every $1 in reward, 50 cents goes to curators. Of the 50 cents per dollar that remain, 5 cents per dollar goes to your community321 "new hive" agenda. And of that 45 cents remains, 2.25 cents per dollar goes again to your community321 agenda. Then if they have a medical emergeny, or is otherwise court ordered to liquidate there goes another 4.275 to your community321 agenda. So I guess you would have authors down to about 39.5 cents (rounding)-effectively taking an additional over 20% of their rewards. Already 33% was nerfed the last time. I suppose you have many more ways to nickel and dime the users so that all of it goes to your own personal community321 account for your "new hive" ambitions because you really don't like how you invested your own money.
If you don't like how you spent your own money, stop trying to force everyone else how to spend theirs-especially if you are scheming to have us pay for your spending agenda.