Good thing I didn't miss this post because it has opened my mind a bit in some aspects and it is perfectly understandable what you raise.

I have kept my meager coins in saving but I rather do it to save and protect them.

Since I started I have been committed to growing in HP and my account attests to that in a year. However, it is true that for people with more money this 20% APR is not inconsiderable.

Now... inflation is terrible, we all know that. There are economic issues here, such as the stabilizer issue and other things I don't quite understand, which makes it a bit difficult for me to comment. But I understand that for a currency to have value the first thing is that it is necessary, and scarce.

By decreasing this APR, does this have any impact on the creation of fewer coins? And become liquid?

We can also ask ourselves what we are doing to make people need Hive. I am referring to those who are still outside the Blockchain. And even those who are inside it.