That bank locked up too much funds at low interest rate, so when the rate went up, they could only sell them with taking a loss. If the bank could have waited two years, everything would have been fine... but everyone wanted their money... so... they ran out of money in the short term.

The Fed could have fixed this with a swap. Why didn't they?

I guess you are saying that this is a good time to swap HBD for HIVE?
I was waiting for the big crypto crash to do this swap, or swap to bitcoin or litecoin.

I am just not keeping up with watching the market ☹️
Just waiting for the big waves.

And, how does one learn all the intricacies of powering down? I think Steem is still 2 weeks. I think HIVE is 12 weeks. Can you stop the power down, or do you just power it right back up?

In the future, i see people having their own "WALL" servers.
Like a completely inside out model of f-c-book. Where a browser would poll all of your friend's servers and make a page for you to see.

Just have to make "Wall" servers $99 at Wallymart and you just plug it in.