While lowering from 20% seems nothing but reasonable on the surface - 20% is a treat beyond what anybody could ask anyway - I personally don't think making something stable worse in order to make something unstable better, is a sound business decision.

It's gonna turn off the vast majority of people and if we're talking outside investors, we should treat them as having two different purposes for people to hedge their bets according to their own business acumen.

In my UK bank, I get a 4% APR on a savings 'pot' I can withdraw immediately, which increases the longer I agree to keep it locked up so the banks can use it to do their insider gambling or whatever in the meantime. This is pretty standard across savings accounts in most or all banks. I found it odd that the 'savings' here doesn't do the same, but this seems like something more marketable to outside investors, making it appear more like an actual bank, but better in all the decentralised ways.

Ultimately though, people are only not coming in and investing because as far as I can tell the only marketing efforts that have ever happened are people spamming twitter with 'hive is the best for the following reasons' on their personal accounts.

Why don't I see Hive logos pummelling my facebook page or bleeding into medium articles as a better alternative, why aren't people going out there and spreading the word like they are in cool little projects around Ghana and Nigeria? Is hive fest even advertised? I'm not sure but I'm certainly only vaguely aware its happening at some point, or did it already happen? I just got barely any exposure to it. Maybe people are doing more than I know for marketing, but even though I'm part of the ecosystem, I just never see Hive anywhere, not even when I google it (I get other Hive-named companies).

That's the issue, really. You could have a blockchain that offers 17,000% return per day and nobody's gonna come if they don't hear about it.