I think I would expect more from the dao. Things made there should pay the upkeep, iyam. If it is built with dao money, and it makes profits, it should pay the dao back, at least. Why are we paying for things to be built that bring profits to the builders, but not the hive? Do we really have 80million hive worth of 'improvements' to be made?

I'd add staking rewards to the savings accounts. The more liquid hive, the better for the pool. A 3day hold is much better than a 13 week hold. I'd go for the witness changes, too.

Let's say:

Newb attraction pool: 50% Staking rewards 3day withdraw: 12% Staking rewards 10 week withdraw: 20% Witnesses: 15%
DAO: 3%

We know the reward pool, designed to attract newbs, is used to pay for other things, I see nothing inherently wrong with that, folks can vote their stake how they want.

I'd make hbd interest contingent on staking, too. Just as a disincentive to holding on an exchange.