[Proposal] Decrease Deposit APY to 10% for a month

[ZenDog]

The rate is not going to zero.

If anything, a proposal to incentivize borrowing is needed:

[Proposal] Increase ANC Emissions by 25% for 6 weeks

Summary: Increase ANC Emissions by 25% for 6 weeks to improve cash flows and buy time for upcoming protocol improvements. Background: Since the crashening, Anchor’s utilization ratio has been stuck in the low 30s vs the 66.7% target ratio. Borrower’s interest and collateral yield are therefore not enough to cover depositor interest. The yield reserve pays for the difference. But, reserves are down to 3 million UST and declining ~100k/day with the price of LUNA bobbing around 5. Anchor has pl…