Effective Stake Interest:
The amount of stakes a user wins depends on how many users are trying to stake at once. If you are holding mostly frozen reserve then the reward is at 20
coins which averages at 1% when 100% of the network is staking. However since usually less than half of the network funds are staking then the rewards can
be more frequent. For example, if 50% of the network is staking then it's logical to predict that you will get double the chance of a reward. However there
is no guarantee you will win stakes because it is random which inputs are selected. The stakers perform the service of protecting the network. Therefore the funds they get is in exchange for validating transactions in a block.