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.
Considering that the stakers are the ones to keep the network going, it is fair that they get interests out of it.
It is the same with Pow coins, miners get rewarded for their efforts, and not the others.
In any case staking is very easy to set up compared to mining. You just need to leave a wallet running on a computer. You could also do it from a VPS. + a few post above, an exchange allowing staking from the exchange wallet was mentionned, which would be even easier to use (never tried it though)