Hmmmm. Very interesting read. I must admit that I have been taking advantage of the 20% APR available on HBD savings, but somehow it doesn't feel as good as growing my HP which I strived to do for years and years!

My thinking was to grow it, knowing that it won't be around forever and when it drops back below 10% I could convert it to Hive and power it up..

I wonder would Hive still be at 0.30 if HBD savings did not have such a high APR? I suspect it would be more valuable to be honest, but who knows. It's really just crystal ball gazing trying to guess.