Locked staking has been a common feature among other savings/staking platform. This is why I think it has no issues on the user side. Regarding potential disadvantage, I can't see a deeper negative effect as what I foresee. But it gives Hive ecosystem a breather on the savings reward option. The more % we can save, the better for Hive because these returns are relative to the addition of Hive selling pressure in the market.

Since many have aired its concern on 20%, I believe it's best to address this issue asap or else we'll see its long-term effect. What do you think?