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The HBD accounts were created to sink small investments into instead of Hive, where they would potentially vote on witnesses. More Hive voting for witnesses would make the control of the witnesses, and the code they run, maintained by the ~36 whales who keep more than 50% but less than 51% of the stake on Hive, more expensive to maintain.
RE: How to Reduce Hive's Inflation Problem - Our New DHF Proposal Voting Criteria, HBD APR, and a Proposed Value Plan S.O.P