The problem is that this is all going down regardless of what the average user thinks. It's fully up to the 21 Witnesses who make the final decisions. They aren't asking for our opinions, they are telling us what THEY want to do. This system is not decentralized and cannot be decentralized with a coded in bottleneck such as this.
When we are seeing decisions being made through guessing rather than economics, then we know we have the wrong leaders in place. I for one don't want to be told what's going to happen on a decentralized platform. I want to be asked my opinion and see long term of Town Hall discussions taking place.
This is how we tap into the wisdom of the crowd to get all of the info and find those knowledgeable within the area under discussion. I hope the key players step back and slow down, because they are being hasty and not allowing those with the necessary experience to weigh in.
With LeoFinance getting ready for a huge marketing push, this is the wrong time to make this change. They'd essentially be eliminating a great asset for onboarding when we need it the most. Too bad they didn't market this when it was first put into place, which shows that the wrong people are making these decisions.
RE: The APR On HBD Savings Should Not Be Lowered