HBD actually means "Hive-backed dollars". It's named that because the blockchain backs the value of HBD by being willing to pay one dollar worth of Hive for one HBD (except in the stress case where the supply of HBD goes too high relative to the value of Hive's market cap). It was never intended that HBD and Hive holders should be treated "equally". In fact, it's the opposite: HBD was designed as an alternative coin to Hive for users who want a coin with a relatively stable value and predictable returrns, that was suitable for stable pricing of items and contract payments.
RE: Proposal to make HBD interest payable only to savings accounts