Interesting idea. I discussed this with my cousin and came to the same conclusion. Seems very odd to get the same amount of interest regardless if it's being staked or not.
We could also keep the interest at 3% or less for liquid and put the interest funds directly into savings. 1.5% liquid, 10% staked for example?
One of the things they try to avoid is to offer interest to exchanges for customers' HBD. Unless they stake it and share staking rewards, ideally.
Ahh yes, I forgot about his point on that, good call.