I agree it is a high fee. It is basically death to most using the HBD --> HIVE conversion. But if someone truly wanted to remove the incentive to use that as an attack vector, that would be it.

I do believe that if there is a fee on the other side, why not have it with HIVE to HBD too. Is 5% enough? Now we are getting into details which nobody can truly know.

But an interesting discussion anyway.

The time-vault on savings is also a brilliant idea.

Yeah it seems like, in listening to one of the core dev meetings, that it will be programmed in the next hard fork (the one after the June HF). How that will look I am sure is going to require some discussion and, of course, then the witnesses will have to set an interest rate for it/them.

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