This should be a proposal don't you think?, you're a witness (or part of a witness team) after all...
I have to congratulate you, I think this is just brilliant, your past post about this already explained some of these concepts but this is totally argumented and explained. I should read more times though and hear expert opinions about it. Can't wait to have a debate about these ideas.
RE: HBD Collateralized Loans: How to reduce Hive inflation to zero percent without hurting the reward pool.