I will have to disagree to some extent and i was quite sad when i saw that 15% to tell you the truth. This conversation has been done so many times already and after a certain point, i think some people actually ignore arguments. I remember some of the arguments being about Hive losing money, the value with a drop, lack of marketing etc. I remember so many posts and comments stating that isn't the case.

I will only agree to the lack of marketing and that to some extent as well. Currently we face another crypto bear especially in Hive that dropped below 20 cents. A stable coin offering a certain amount (20%) was something that gave a lot of people hope and they also had their plans. I consider it as literally the worst time to initiate any drop in that 20% APR. It will once again have only a negative impact on Hive.

Also from my perspective and point of view and as someone who knows a thing or two about marketing and finance i would consider the DFH a huge issue instead of the 20% APR. Literally, people are stealing money daily and taking advantage of the rest of us. We are talking about volumes of Hive and money greater than what the HBD APR offers. There have also been countless talks about that and i haven't seen anything yet. Anyone who either knows a person or two with a lot of power in here or who is a bit lucky can literally start earning huge amounts of money with no control or consequences.

Also, fun fact, i remember a couple months ago a huge talk about HBD and lowering the APR. Over 100 people made a comment and i checked every single one of them and their wallets. Out of those that were pro lowering the APR, not a single one had any HBD in savings. At the same time though the people that were pro 20% APR, 90% of them had both Hive staked and HBD in their savings. Anyone can make their own conclusions regarding that ;)

Finally, 2 days ago, I talked with a good friend of mine that I have been trying to bring over to Hive for some years now but he prefers to have a certain amount staked and earn a 3% APR in dollars. When i told him about our 20% APR he seemed excited. I explained the whole process to buy/sell hive convert to HBD etc etc and was quite skeptical but said he would give it a go. Then he saw that the APR changed to 15% and even though it's still way better than what he earns he said that he would pass. The reason was that there was no stability here. He literally said I have certain plans with my money at certain times, at least here i know that i will earn 3% for certain. How do I know that the next day, someone will decide to decrease the 15% to 1% or even 0. No matter what argument i tried it won't change the outcome.

A lot of people like Hive but we get to see a tendency for most of them to leave and or be absent for a while (like me). Besides one of the main reasons that most decide to drop out and move is the earnings, a lot of others that stay for a while or a here for a while longer get to see the constant exploitation of Hive for the sake of self-benefit, like with the DFH for instance and are simply tired and give up.

Now i don't know if what i said matters even a bit, as from what we've seen from many conversations and many arguments over HBD, DHF, Marketing, and any big-time thing in here something that will make Hive look worse and lose its value will happen at the end of the day. This isn't a rant or something that's intended for you, you know that I really admire your work here and I hope the game is successful. I am simply sharing my views, some of which are opposite to yours but mainly highlight other big issues that actually should have been priority in my eyes instead of this.