Key point from this article: most of the top CDP users are those who have a huge amount of ETH that was bought with very low price(e.x. they participated ETH ICO), those people don’t want to sell ETH and have liquidity need, so they can afford a very high DSR.
So question mark: what if those top users change their exception that ETH will be more expensive in a long term, will they still want to provide those high saving rate?