I was wondering is there a way to make interest automatically collect in your vault? Because I constantly forget I even have money in the vault let alone, that I need to go collect interest. The current system feels like something from Neo, it is clustered with too many means of gaining currency. Perhaps it can be done in a weekly or monthly collection of a single lump sum depending on the interest rate of each user. This can be a gold account feature. There can also be a cap off on how high your rate can be something simple like 5 0r 6%.

I think that is the point of the interest though? Unless you make a point to collect it, you dont get it.
Automatically adding it would probably be counter intuitive to the whole deflation/removind sP from the game that seems to be going on.
I agree with , not to mention the rate is already capped, at 3%
The whole removing sP from the site doesn't seem to be a priority with all those games that were added last summer XD.
But it is really pointless for a user, who with a low amount of sP in their vault, to collect 100ish sP each day. Seems like a waste of a click. For me on the other hand, collecting 50k+ daily seems reasonable. So for users with less in their account, which are probably users who might not visit often, it might be an incentive to spend a wee bit more and stay if they discover that a bit of extra sP has been accumulating in their vault.
Interest rates should stay the same. But I agree that Subeta has too many ways of earning little amounts of sP. Some of the games in the Games Room serve as an example of this. And collecting interest daily does seem like a relic from Neopets, especially if you have a mere million or two in your vault. You might as well receive that sP the moment you log on for the day.