I did notice HBD savings APR dropped from 20 to 19 since yesterday... although your point is still valid...
What I started doing this week was set my payouts to 50/50 and then I convert half of my daily HBD to Hive
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20% and 19% are basically the same rate ;)
What do you do with the other half? Do you vest it into Savings? If so, that's precisely what I was talking about. No offense, it is perfectly reasonable, yet not really beneficient for the ecosystem. And I totally understand it.