I don't have HBD staked, and I understand that there are risks involved in keeping rate at 15% if we have Hive price go even lower. But 6% doesn't make any sense. Right now in United States I can easily earn 4.5 to 6% with zero to almost no risk in traditional instruments like money market, CDs or Bonds. So why would anyone jump through hoops and pay the costs to bring USD into Hive blockchain stable coin to earn the same six percent?