maybe it’s time to bring in a second, lower APR for non-members and introduce some additional terms on those agreements to protect the communities interests

If viable I don't see why not. Maybe somehow link it to the precious token and a partial payment done in that?

An other suggestion. Maybe use discord for a shoutout to all sgs members to ask em to upvote the precious gem comment? I am trying to do that lately, just a small vote but if we all do it I guess it might add up :)