Provided there's a solid foundation allowing for HBD to be accessible/earned, then yes I can agree that HBD savings account is icing on the cake. You called it the nest egg. Can't have those without chickens. And the nest doesn't make itself. Put all the eggs in one basket and suddenly the chickens aren't producing eggs then see no need to build a nest.

Certainly does put the concept of 'living off interest' in far more hands. 20% looks nice and shiny on the surface but there's some fine print that talks about a balancing act people should read first.

Of course there's also people working and earning, living normal lives, outside of Hive; they too can benefit. I've been showing that option to people I know. It's so strange though. In this part of the world (Canada) it seems people would sooner pay interest rather than earn interest. Ever notice that?