It's a well-rounded synopsis you bring to the table. You don't expect the world and you embrace change. That's great. Although while I might sound defeated I'm not feeling too defeated with 13/20 witnesses signaling 19%+ rates.

I have no problems with change, lowing the interest rate is a natural process that should happen within the right context. It is the logic being employed in this discussion that I have a problem with. More than half of the reasons presented to change the rate are not based in reality other than the feelings surrounding them. I'm not sure if a successful venture can be operated in this manner. "I feel like this airplane should fly and not crash into the mountain," is a bit cringe. Not looking forward to being a guinea pig in that experiment.

All I can say is that I would sooner vote to increase the rates to 25% before decreasing them to 15%. Which one of those options is the more extreme change? The data laid out before me is screaming that HBD is still in a phase of exponential growth, just like Bitcoin and many other cryptocurrencies. Ideally inflation rate should match the growth rate. No one seems to be coming at it from this angle, and I find it extremely alarming.