We do not need 1 billion HBD. Having a billion HBD now would just make us insolvent. We do not have the base of an economy to maintain such debt.

Also, a frequently updating APR can still be valid returns. What is important for HBD is price stability moreso than APR stability. I would continue to hold HBD in savings with variable APR.

We do not need capital investment to the point of paying more for it than it benefits us.