This is an interesting topic, though one I don't think we should be worrying about right now with a new bull market just starting, and it being 2024 currently. A lot can happen between now and the next decade or so. I think this is something we revisit in a couple years when it becomes more of an issue so we don't risk messing things up doing things we didn't technically need to do right now anyways. Just my thoughts.
RE: Thinking out loud: When should the witnesses start paying interest on SBDs in savings?