Not sure if the HBD Savings APR is our main problem.
What about the DHF or value plan that gives lot´s of money to sometimes questionable projects? I see it more often that it looks that some of the bigger people here just shift the money back and forth between them.

Also what about initiatives that try to drag people here on Hive to then give them massive rewards? Of course they cash out right away. I think the problem is not just the APR.

I am not a pro about all these things of course. But these are my feelings.