That 4% isn't given "for free."  It's an attempt to put the risk on devs, while giving them a chance to earn back/profit from what they already put into the project.

Developing and launching a project like this isn't cheap, and this is the most fair way to deal with that fact they could think of.

Can you do better?  Great.

It's not like they launched the dCred like Evan launched Dash, IE by surprise and with a broken emission system that granted them 20% off all the coins, then made it worse by lowering the maximum number of coins.