For now, it makes sense to discuss the idea of adding the 5% fee to the HBD--> Hive conversion. This will help to deter gaming the system on the downside of the peg also.

Sorry, but this is a horrificly bad idea. I'm really surprised that it's even being discussed to be honest. It would have a similar effect to as if the peg of HBD were set to 95 cents per dollar which makes absolutely zero sense for a stable coin.