We are not very familiar with Hive (yet) because we just discovered Leo and Hive a few weeks ago, but this post about the interest rate is pretty accurate and it does place a toll in the community, perhaps 20% is too high? At the same time, you mention polycub and the pHBD farm, which definitely takes some weight off HBD's interest rate shoulders.

You mentioned Polycub in your post, which caught our attention because we've been very involved with the Polycub ecosystem by adding all the farms and the xPolycub vault to our DeFi tracker, which allows users to track their positions with a lot of details regarding cost, value and profits earned. If you have any DeFi investments, we would appreciate if you check out our recently launched website app at https://defireturn.app