I have been under the impression that HBD being so high was mostly an accident. Like the 20% was basically a promotional rate is what I thought. But once we have high APR it is kind of stuck there. Like if a Witness reduces the APR they could lose votes.

I do not think HIVE is a crypto in a traditional sense. It is more like crypto due to lack of a better term.

To me HIVE is an asset. Owning HIVE is like owning a piece of open source software.

I do think we agree and disagree on a lot of things. We probably only disagree more than most people just cause we are both willing to say what we think.

This post I made a while back is shorter than a lot of my other posts but you might like this one
@hurtlocker/what-is-hive