What is the appropriate APR for HBD savings according to you ?

There is a lot of discussions around the interest levels on HBD savings on Hive at the moment.

Each Witness has to define an interest rate and the median rate of the top Witnesses defines the interest rate that is applied to savings. For quite some time the rate was at 20% but more and more voices are in favour for lowering these rates. Their reasoning is that such a high rate is negative for the activity on Hive (it's more profitable to put money into HBD than to curate with HP), it looks like a scam to the outside or it devaluates all the existing Hive and HBD... Of course we all like the juicy interests but we want to ask what YOU are thinking:

What is according to you an appropriate interest level for HBD?
Please share your thoughts with us an there will be no judging from our side. We want to hear what you think and if you can explain why you want it like that, it's even better :-)

Please write your answer as a comment below this post.

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