Hive isn't any of those things, the 2nd layers are. Hive is simply an immutable ledger that stores data and ... It's an investment, a financial one for many people. HBD savings can be the foot in the door for more users who could end up using the 2nd layers more once they come in and buy Hive. By the way, buying increases value, which makes Hive worth more so creators can feed themselves a higher quality life.