The 3% honestly seems kind of wild to me I'd rather that 3% be in curation rewards. Not sure anyone locks up their hive for 13 weeks for 3% and sits on it lol Unless you got millions maybe. But being that curation is a big part of the user base here on Hive for the moment and most likely for a while it would seem fitting that those active should be rewarded. Not sure if 3% would have any meaningful impact though.
It is pretty cool to see things compound and hive has a bunch of options to compound. You can do one or you can do all and if you do all it really starts to add up.
For example if you power up hive say 100k and also do full curation each day you're looking at something around 9% - 11% which would be 9,000 - 11,000 hive per year. It's still not something you could live off of but it's a decent chunk (If hives price would increase to $1)
In any case the first goal is always that first 100k even in the fiat world as you really start to take notice to the compounding interest at that point. Again what's cool about hive is there are various things you can do in order to reach that 100k Hive faster.
It's why I keep the faith - it's such an easy earner, and doesn't take that much of a Vest to get to that 100K - and it's pretty significant once you get there, not a main income, but a VERY nice side income! I mean combined with writing it's 25% of a living wage, just for having a bit of fun!