Instead of reducing MSSR affecting all borrowers, it is possible to implement dynamic individual MSSR dependent on CR of the position. Here is the example:

- borrowers with CR=1.75 got margin called with MSSR 1.01
- If CR dropped to 1.7, MSSR is 1.05
- CR = 1.6 -> MSSR 1.10
- CR = 1.5 -> MSSR 1.20
- CR = 1.4 -> MSSR 1.30
- and so on

I think you got the idea. So, borrowers are always incentivized to maintain higher CR. Undercollaterized positions will create an acute price pressure and stimulate arbitrage.

That idea is also part of ongoing discussions in the community.
Thanks for bringing it up again!

The balance id that stores your refund is in your account objected and is called "cashback_vb"

As a proxy voting for this worker, I do fully understand the concerns raised by @dexy - I came to ask myself the very same questions.
My conclusions is that this is the cost for an **independent** development team. If we (the BTS community) wanted this cheaper, we'd
need to hire a company to work on this. Developers in that company would earn less (probabably about 60-80$/hr) and will be managed
by the company. But then, don't expect that this company will invoice only the rates of those developers. That's not how a software
house can survive for long, profits need to be made for the company too, hence, you are looking at a rate that is at least as high as
current core devs'. And even if you found a company that was willing to contribute for less, I still prefer to have our own team that's
knowledgable trusted and loyal to the BitShares community. Totally fine with paying for that.

Thanks everyone for your support. The reference faucet worker is active now and account creation continues as usual.

I support the candidacy of y new committee member
https://bitsharestalk.org/index.php?topic=27791.msg327460#msg327460
I'd like to hear more details but think that committee can use some fresh blood

support

I just voted for:
* the new UI worker
* the Citadel worker