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Lowering the APR now would be a huge mistake. The system is far from breaking (Dalz has a good site showing the health of the system) and if it gets lowered it is going to scare off everyone who bought into HBD or who has watched from afar as a potential investor in the hive ecosystem
If this gets changed with very little discussion, debate and community voting it could be very negative for Hive as an ecosystem IMO. Changing it on a whim because a few witnesses want to is not the way.
As someone else said in a comment - if you disagree with the change, look for other witnesses who signal 20% and consider changing your votes. That’s the way the community can get involved in governance. I would love to see more Hivers involved in governance
RE: The APR On HBD Savings Should Not Be Lowered