HBD interest rate - Hive economics

If we lower the interest rate, the market is going to collapse

This can be true.

I see interest rate as a tool for market control. And if we use it that way, we can push the market in the right direction.

This requires active participation in the governance by the users.

If you want a better Hive, participate in governance. Vote for active witnesses. Vote on DHF proposals that you think bring value. And vote on the return proposal if you don't think so.

All the problems that we have originates from the lack of participation in the governance voting. A top witness can literally be AFK for a year and their position won't change.

This is a huge problem.

20% or 15% doesn't matter really. It is just a number that can change at any moment.

Now go and participate in governance.