The rules change willy nilly pretty much like Steem. Each chain should have a distinct address format and probably a private key and xpub format now that I think of it.

We normally lose a lot going to or from fiat with the spreads between buy and sell prices being wide. Iirc If you were to buy HBD from fiat and then immediately sell you would lose like 7%. Now in order to recover from this loss with 2%, you need to keep it locked in for over three years!