I'm not opposed to increasing above 10% and it was definitely a somewhat arbitrary value chose by @dan, as edicted mentioned. But as he also mentioned, I'm not eager to make too many changes too quickly. And 10% does seem an extremely "safe" value, so it's probably a good place for it to be while we're experimenting with changes.

I'm also interested in seeing more uses cases evolve for HBD as a means of purchasing things other than just crypto (which is what most stablecoins are used for now, AFAICT, but I think with Hive we have a lot of room to find others).