Its good for me to read this article because I am putting so much faith in the HBD.

I am looking to fund my retirement and this article left me knowing that I need to learn more about what I am investing is.

If the price if HIVE keeps dropping and HBD stops being printed, what happens to our HBD that is in savings. Does it still grow?

Also

Let's say that we reach mass adoption of HBD and merchants start receiving payment in HBD. If all merchants wanted to cash out their HBD daily, how limited would our economy be? 3.8 Million?

Or is 3.8 Million the cap of how much HBD we could buy if we wanted to?