I think your bank would call it a cd, and require a longer lock.

Interest on locked liquid hive brings the hive back from the exchanges, gets diluted a little less, and still rewards authors by inflating the inflation.

HBD was designed to be a currency, not a store of value, though it does that, too.
It primarily gives us a way of avoiding 10k hive pizzas being worth 350m usd at some point in the future.
Hold your hive, spend your hbd.

What benefit does staking hbd give the chain?