Now that it's at 15%, when considering the flat 15% on HBD and the fluctuating price of HIVE + the interest + effective voting... Hive staking can compete well (if the value of Hive improves or remains stagnant).

I personally don't like the drop in the HBD savings rate, but I suppose it was essential to drive a little more life into HIVE.

HBD needs more liquidity, and Hive needs more public support (outside of Hive's ecosystem). Soon, things will be much better for us all!