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RE: Dai Stability Fee Increased; And?
Yep, I've also been fascinated by Maker and how they manage to provide a really decentralized stable coin. It will be great to see more collateral options as leveraging ETH with 30% doesn't seem very attractive. If you want to margin trade with ETH as collateral, you can do that on centralized platforms much more effectively. If you want an actual ETH-backed loan, the APR still looks super low if you compare to crypto lending on Nexo, Cred and the like. So maybe that is the actual use case :-)
Anyone here who has locked in bigger portions of ETH into Maker?
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You can squeeze that 30% up to 50% if you buy more Eth to further collateralize the CDP. If you're willing to collateralize the loan at 200% instead of 300% you can turn that 50% into close to 100%.
As far as centralized services go: not your keys, not your crypto.
You can't really point to centralized services anymore and say, "Look! That's more efficient!" It will always be more efficient, and it will always be less trustworthy. That's just crypto.
That being said I think Steem could turn SBD into a superior product compared to Maker because we have 3 second blocks and free transactions. Unfortunately it's the same scenario: sacrificing decentralization for efficiency.