A dozen accounts earn half of the HBD interest. These 12 accounts really, really, really, really, really, really, really, really like earning interest rates that would be considered usary in a civil society.

The value of HBD is guaranteed by HIVE. The high interest on HBD is the best thing since the FSLIC guaranteed the Savings & Loan market.

Please, don't go into that tired debate about using a Federal program to guarantee high interest loans caused an entire market sector to collapse.

High interest rates guaranteed by HIVE is the greatest idea since the creation of the Credit Default Swap.

Since the conversion process gives HBD holders a dollar equivalence of HIVE after a three day period. HBD can be used as a currency.

The total amount of HBD on the market is completely superfluous. The 20% interest is simply there for the 1 percenters who want to receive high returns on passive income.