I love the goal behind both ideas - but I am critical with regards to the effect these ideas could have. My constructive feedback:

• One undesired outcome could be that we weaken the attractiveness of Hive as total package. 15% flat rate is simple and very strong. It could be a key selling point for new investors to test the waters before getting started with Hive. Adding “if’s and but’s - might be less appealing

I would be highly in favor of an initiative that does make the the interest rate depended of the staked hive power - without reducing a key selling point - my suggestion:

• Keep 15% apy on HBD as basis. Provide the option to add 2.5% of apy by (either staking or even burning) 50000 hive (one off or even a year?). This way “lurkers” would benefit to participate if they have more than:
• $HIVE x 50000 / 0.025 = $200k HBD on their savings account (even if that would be an annually burned fee)

Also what needs furter clarification:

• what do you mean with staked hive / hive power. If I delegate HP to someone else - will that still count / if I rent HP rather than staking it will that count?