Well we have different opinions, however I am not witnesses or am a whale so I don't have influence and I will to accept the result.
But:
- Increase the APR of HP will benefit most to whales, centralizing more the influence. I not the same 7% of 1 million HP that of 400 HP.
- Next time set a period of time for that increments, if the 20% was stablished with a expiring time of 12 or 24 months this discussion never surge.*
- Set a 20% for amounts lowers than 10k (HBD) or increase the HP APR for accounts with less than 10k HP. More stack lower APR.*
That way you make sure small users are the beneficiaries equilibrating the map of power and getting there chances to grow.
*I don't be sure if technically is possible
You can't complain about HBD APR decreasing suddenly when it also increased very suddenly. I'm almost sure it's going to decrease at a slower pace.
About the HP APR, that's a different discussions, while at first glance it seems like it would centralize distribution more who knows how many would decide to stay invested or invest more because of it compared to selling it now cause "low apr".
Your last point is pointless cause people can always just create more accounts.
I come active here after the 20% APR, maybe if I was active before I will opose that or just recomending to set an expiring date to it.
About the HP APR, again whales will be the only beneficiaries. If hive go up the selling presure is bigger, not every whale curate, but every whale will see grow exponencially his Hive with a bigger HP APR. If the interes up until 12% is very easy to do power down because the interest will cover that and you will remain with the same amount of HP.
Create more accounts is possible since now, but that have a cost and not everybody will feel the need of do that. You will need to create 100 accounts for get a million with the 20% APR increasing the risk of loosing keys or missmanaging accounts.
Everything has a risk (even get 0% APR), but that last proposal have the lower one.