At some point we should cut APR, but it is certainly not this time when you do not want a flight of capital to hammer the price of Hive even more.

I thought about this recently. Yes, we are overpaying for HBD, and lowering the percentage might make sense. But what if, when we lower this percentage, people cash out their HBD on Hive and withdraw their money from the ecosystem? Would this benefit us or harm us?