Very interesting view points that are worth keeping in mind.
" 1. User is attracted by PoolTogether prizes, they think about depositing their savings, but see that they have better chances of winning if instead they deposit POOL" - that wouldn’t be the case. That’s why I think we should only give like 1 or 2 PTaUSDC delegated for 1 POOL.
You take enormous risks by investing in crypto and DeFI projects. Hacks can happen at any moment and the value of your tokens can go to zero.
Delegating PTaUSDC (that is in the treasury that is owned by POOL token holders) to POOL holders is just like paying dividends to share holders but in much much more fun way. And remember, people who invested in PoolTogether had their tokens locked for quite some time (PTIP-11: Treasury Diversification), so it’s kinda natural and normal way of investing.
Individuals themselves need to self-educate and make the decision after assessing risk & reward.
Maybe we wouldn’t have the locking? And you could withdraw at any time you want? I’d still prefer locking though.
Eventually this could replace staking too.
And, finally, keep in mind, giving POOL token more utility and having its value increase makes the whole protocol safer and the chance of it becoming way bigger & more successful.