This has been discussed many times - every time in a bear market, someone wants to improve something and proposes to change everything. I read your post again and don't understand how lowering the rate can help Hive. In a bull market, no one will think that 20% is a lot - these are the same risks as people in Hive. If Hive grows to $0.8, I would, on the contrary, increase the interest rate. Not long to wait...