I'll just quote your quote :)

One thing I would be interested to explore is the use of the savings wallet as a DeFi pool wallet, where an account can use that as collateral, whilst still maintaining account control over it. It is better than it just sitting there doing nothing liquid and it would allow for the staking of liquids without having it actually able to draw on the pool or act on governance. That would likely attract some Hive back from the exchanges and could be leveraged by second-layer tokens, giving them utility.

Surely this has to be given consideration, especially in the current climate.

Hopefully some bigger brains can input.