i misunderstood the what needs a HF and what does not. The change for only Savings to get interest needs a HF but the % could be changed by witnesses with no need for hf.
it would reduce the inflation until people decide to stake it to savings. then everything would depend on the interest.
on 20%... what i thought, if current APR on staked hive is 3.(something)% and from normal voting, not really caring about sniping the best time the APR is around 10% you would get 13-15% on the staked Hive. If the interest on HBD in savings is 15% for only putting it to savings and forgetting about it, some amount of people would probably take the Save it rout. I am not even sure is that a good or bad thing. and all of this would depend on the % of interest.
I can see that some holders would move the funds from exchanges because of the interest, it could also stabilize it a bit.
I am not smart enough :)
Thanks for the time.
I'd like to attempt an answer to your concern here.
Firstly, HBD will likely become less volatile than now, at least on the upside. When Hive will go up in price, HBD won't follow. So, a more attractive interest rate for HBD will be necessary to compensate for the lack of "price pumps", and to be competitive with other stable coins in this regard.
It happens with widely used stable coins, their interest rates are generally higher than for volatile coins.
Secondly, there was some talk in the comments above to offer an attractive interest rate for staking Hive in the savings account. If it will be done, it won't be for this HF, because it seems a bit more complicated.