Being able to pinpoint problem areas is always the first step (which not everyone is always able to do). And those are indeed some problem areas. I especially like shifting the focus to the "normies". I massively respect the people come here, invest their time and don't power down because they want to do the grind, those I respect the most. When an account like that suddenly goes dark it feels like such a big loss.

The 20% is way too high in my opinion, and this is coming from someone that profited from it. It has about the same APR as someone that actively posts on Hive without having to do the effort or have to deal with the risk from price fluctuation. I definitely understand people that prefer to convert their Hive to HBD since you have to do less effort for approximately the same rewards. It Results in the opposite of what we want, people should be encouraged to engage with the blockchain. I think 3% would hit the sweet spot indeed.

The appealing argument is interesting, and I think it's true for people that are in the Hive ecosystem, but I'm not sure everyone agrees with that. I was in a discord call with some online friends two months ago and we where talking crypto (they aren't on Hive). And I told them that we have a stable coin with a 20% APR, I heard the word "scam" more than once after that. They actually thought it was dodgy rather than appealing. This shows that the perception towards high return promises in crypto has shifted immensely in the post-FTX era.

One call between 3 dudes talking nonsense in their free time is of course not an indicator for a wider audience. But it is that call that started to make me question the 20% APR