Oh yeah 20% that's a scam.
Oh yeah 10% that's a scam.
Oh yeah 5%, you think you can outperform bonds, bro? Scam!

lol yeah it's ridiculous logic. We've been at 20% forever and we are doing just fine. All the other actual scams that offered 20% imploded and crashed to zero, and we are sitting here years later with zero red flags up. Even if it was a scam the burden of that scam would fall onto HIVE holders not HBD holders because the haircut on the debt ratio is 30%.