+1 to Michel’s comments. I do believe that the exact return might change once we have exhausted the Foundation’s reserves and we start dipping into the FeeSink from the transaction fees, but in the meanwhile DeFi is being affected.
One thing that hasn’t been mentioned here is running a participation node. Accounts that are engaged in consensus are listed as “Online”.
Let me preface this by saying that I do NOT believe that participation node runners should receive rewards for running a node. Silvio has argued this before and it comes down to the fact that the cost is simply too low, the “work” (and hardware required) doesn’t really scale with the Algos staked. We’d be at risk of centralization. (I DO however believe Relay nodes should be rewarded, since running one is very costly. Preferably they should compete with each other to the point that nodes are barely breaking even.)
But I do think if you run a participation node so your account is online while you engage in governance, you should have more of a say. Maybe it should 2x your voting power, or something. This would be a good way to encourage participating in consensus, decentralizing Algorand.
(As always, we need to be careful to do this in such a way that whales dont just split their holdings over many smaller accounts.)