It was just a misunderstanding then. The way I read your post, it seemed to imply there was a relationship between “savings” and “APR”. I just wanted to clarify that the APR (if witnesses have a non zero APR) is paid to all SBD holders, regardless of whether their SBD is in savings or not.

I appreciate that as a witness you are taking these things seriously and taking the time to figure out what the repercussions of setting these parameters can be :)