Sounds awesome.
If we just focus on onboarding and if the HIVE price stabilizes then I think it'll work wonders for HIVE block chain. We might see people come for 20% return and stay for the community.
One downside however just like you suggested is we will lose out on a lot of upside in case Hive price skyrockets..
I would regret being greedy for 20% and in return losing out on doubling the amount in Hive lol because remember in HBD you only have a 20% potential but with HIVE you have the usual 8% curation + 2.83% Vesting increase AND a possible capital growth with technically no limit..