So when the crazy interest rates, was 20% now 15%, allows a whale to have even a crazier amount of HBD, and for whatever real life situation forces them, or their estate, to dump presumably at exchanges, this proposal would lead to trading hive to accumulate HBD causing hive [even more on top of any hive they liquidated] to fall to correct HBD prices? Is my understanding of the mechanics wrong?

Is there an easy mechanism to gauge how much hive is being sold/purchased/converted to artificially maintain the stability of this coin?