The no taxation without representation is good one!! My view is that CDP holders who have staked their debt in SPs are good citizens of the protocol and definitely should get a weighted vote on matters that directly impact their position. Otherwise, they are at the mercy of a governance body with little skin in the game - “skin in the game” should be the new principle for voting. Even if it means someone has to “reside” in the protocol for a period of time to qualify for a vote based on CDP and SP positions - that would be an improvement on the current situation.
increasing mr would mean people cannot mint as much as they do now. the current mr is 150%. increasing mr would mean cdps cannot continue to take on more debt because they can only mint so much. this would assure healthy collateral ratio like you are saying.
so having mr at 300 or 350 or 400 means less minting and selling and puts cdps in a postion where they are left to pay off their debt becuase they have maxed out their minting ability.
RMR would stay the same at 185%. by increasing MR you are keeping people away from getting close to the RMR.
MR should always be higher than RMR when there is a depeg and right now its lower for no good reason. if people mint to the max MR they would put themselves in the RMR zone and be automatically redeemed, likely for a loss. its probably in the protocols best interest to always keep MR above RMR so investors dont make this mistake.
there may be an occasion when there is a depeg and someone mints below RMR and hits the lower MR (max mint limit) and then gets automatically redeemed and actually profits but those would be rare instances.