The thing about HBD is that it's pegged to the dollar, whereas Hive isnt.

Only a month ago Hive was 20 cents, now it's 16 cents. That's a drop of 20%. So you need to make 20% on the curation just to break even and not make a loss. Whereas you will always make a profit with HBD savings.

Hive curation is only profitable if the price is flat or rising.

But all year it has been falling and the winners are those who converted to HBD as it fell, because at least the value of their money was protected and preserved.