If you listen to @taskmaster4450 much at all, you will hear him frequently commenting about use cases, and the need to expand the use cases for $HIVE and $HBD.

The way we expand the use cases for $HIVE is through the development of new dApps, which includes making it easy for new Devs to enter the ecosystem and start building cool stuff on Hive. This expands the 'use cases' for $HIVE because dApps need Resource Credits and RCs require staked $HIVE.

The ways we expand the use cases for $HBD are through circular economies and expanded financial instruments (like $HBD Bonds).

One thing is potential target of such system, the other is potential influence on other users.

I'm not sure I understand your concern here.

Are you saying existing users are going to leave if there's a new financial instrument they don't understand?

Or are you saying would-be investors in $HIVE will be turned away because of the existence of $HBD Bonds?

In short, what negative behavior are you fearing here?

At present, we do not have a good investment vehicle for accredited investors. That's because investing in $HIVE as an outsider is a losing proposition, due to the tokenomics, unless that outsider either commits to manual curation, joins a curation pool, or uses an autovoting bot -- these are actions that an accredited investor is not likely to understand or be enamored by. And, to invest in $HIVE without doing one of those means to have your principal consistently devalued by the inflation.

The nice feature of $HBD Bonds is that they will be easy for accredited investors to understand, secondary markets can provide those investors with instant liquidity (if they get skittish or capricious), yet the long-term nature of each $HBD Bond will help reduce overall volatility (both for $HBD and for $HIVE).

The problem with the current $HBD Savings system is that we could see millions and millions of $HBD pour into savings accounts, then have a sudden massive withdrawal causing massive movements in both $HBD and $HIVE prices. With long-term $HBD Bonds, those investments are locked up until each bond matures. If a major investor gets spooked and decides to get out, they liquidate the bond (by selling it on the secondary market), which could cause the $HBD Bond market (i.e. secondary market) to tank, but the underlying $HBD cannot be liquidated until the bond matures. And even those holding $HBD Bonds are not 'at risk' when the $HBD Bond secondary market tanks, because they are guaranteed their $HBD (plus interest) when the bond matures. In fact, a precipitous drop in the $HBD Bond secondary market would simply be an opportunity for those who have faith in the Hive ecosystem to purchase $HBD Bonds at a steep discount.

This represents major benefits to the stability of the underlying assets (i.e. $HBD and $HIVE).

Personally, I think we are probably fortunate that we have not seen a massive investment into the current $HBD Savings system, at the current 20% APY. Although I disagree with those who claim a 20% APY is inherently unsustainable (follow @edicted for some good explanations about APY sustainability), I wholeheartedly agree with @starkerz's notion that big-time investments need to be 'locked in' either via staked $HIVE or via long-term $HBD Bonds.