Im lucky there is no tax for crypto where I live, I also believe that the 20% APR is not crazy although many believe is too high and thats fine with me too, Im not the type of person who needs to be right as long as there is equilibrium Im fine with it, in the long term I can see APR on both Hive and HBD lowering down once there are more L2 projects adding transactions on their own tokens but there is a long way to go before that happens