An interesting idea but it does not seem fair that people without multiple thousand dollars are simply ignored. I have a full account worth currently less than 3k. I have hp as much as I can but not more and I currently the only thing I am in hive is the good APR.
I am pretty sure that I speak for a whole group of people like me. If you take away the thing that keeps us afloat why would we stay?

Sure you are not interested in small budget people leaving so you will stay with the whale buddies. Is this what you want for hive? A whale only ecosystem?