This might not work, but how about this as an idea and I don't know if it helps stabilize HBD.

Use the savings wallet as a staking point like a defi pool, but it attracts Hive as an automatic percentage of curation as if it is active (for example 50%). This would give it a return of ~10% A year in Hive, less than curation, but far better than a bank. Can this pool of Hive be then used to further stabilize HBD?

I think this would may also create some market scarcity and push the price of Hive up, as it gives a bit more passive use case to holding Hive on chain, rather than on exchange.

NB: I have no idea how to stabilize a token :D