I think this is a great change. With this, we can attract more investors. Once they start investing for the interest rates they will gradually understand the ecosystem and then start investing more or bring their investor friends as well.

If we are going to go with this option, as you said, I would be happy to see an increased Interest rates as well. 10-20% will be a reasonable one because there are competitive options outside for stable coins. I personally will stop converting my HBD to USDT to earn good APR outside and keep it inside the chain.

It will also be nice if the FAQ page is updated to align with all these new changes. I guess it is the task to be done in the front ends. Right now I direct all my friends only to the FAQ page to get some idea about Hive. If this information is also there in the FAQ page, they will at least join us as an investor even though they have no big plans to do blogging.