i believe that the people running nodes should only be the ones earning interest on their balances. 20% is very generous for someone to just run a client every couple of days, while the nodes do all the heavy lifting.

Perhaps make regular client PoS less in terms of % and let nodes earn the lion's share, since it requires more capital commitment and therefore more risk for node operators.

something like 5% PoS for regular clients

20% + uptime bonus for nodes. Minimum balance 1000 MNS to run a  node.

just a thought.