Now, and finally, the system-wide interest is fixed at 5% (i.e. 5% of approx. 21m = 1.2m per year at present), but this amount is spread among the staking population only, and thus, on an individual wallet level, the effective interest received is currently somewhere between 10% and 20%
Is this true? Is this how the POS interest works? This is really bad news for regular investors who are not stalking...
I thought the interest is 5%, and if only 1/3 of the coins are used for stalking, than the total inflation would be only 1.66%
That would mean lower inflation. It's really unfair for those who are not stalking if the system works as you describe it. If some people get 10% to 20% interest while others get zero, the difference is very big. 5% vs zero would be more fair.