You're right! It's rare we've ever been given an opportunity to take what we have, fine tune it, and make it work. And there's no reason why some of what he's proposing can't simply be added in as an OPTION for those who would be interested. Not completely change things and force everyone to be interested, or leave.

That savings account feature sits idle. There's no reason why that can't be used for an investor to collect interest at a higher rate than one would holding HP. But that interest should still be a lower rate than what one receives for using HP to actually contribute and earn rewards. I understand that investors want options, so give them options on top of what we already have. Then take what we have, make it better, and market the living shit out of it.