RE: What is the appropriate APR for HBD savings according to you ?
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The question is how do we define sustainability? When price of hive is declining in respect of other crypto tokens, this can be a side effect of the additional inflation. It's not easy to see if things are sustainable or not and maybe when they will be clearly visible it will be too late to change something.
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Yes, once we cross that bridge it will be difficult. Reducing the rate slowly and gradually over few years may help. What i mean is reduced by 2% and see the effect for a year or two and then reduce further by 3% and see it's effect for a year and so on. Investors may not mind small cuts to the rates, than a very huge reduction.