HBD is the very first step to be able to implement some kind of DeFi ecosystem based on Hive. I am very excited to see what will come out of this! However, building a robust DeFi protocol is extremelly challenging and should not be taken lightly. We have seen so many projects fail (Luna) and struggle (Waves/Vires). If someone sees Hive as a mere blogging platform I would say is just pure ignorance 😉