That 5,000 Hive per year? Doable, especially during bear periods -- you just have to keep track of how many Hive are in each HBD, hold onto your HBD when the price of Hive is high, and then convert that back to Hive when there are a few more Hive in each HBD.

Depending on where you live, also remember: the control of taxes. Where I live, a movement date of Hive just to HBD, say, YESTERDAY would have been nice, BUT, taxes would have to be taken out by April 15, 2022 -- short-term capital gains even on moving crypto to crypto. Just waiting until Jan. 1, 2022 to convert or sell moves that tax due date ALL THE WAY DOWN to April 15, 2023. That's a big difference in terms of HBD interest earned over time, and, if close to the end of any year, better asset management!