What you've said here makes great sense, and I expect the video to repeat that sense.

"...literally anyone can Hive can extract value..."

That does not make sense to me. I am sure it's just a typo, but I am unable to ascertain what you did mean to write.

I keep a little HBD in savings, specifically for the 20% return. The three day timelock is a risk, and a lot can happen in three days that might make my assumption of that risk a losing proposition. However, if the timelock on HBD savings increases substantially, I will not keep HBD in savings, because much greater risk than three days isn't tolerable to me. Three days is already a lot, because so much can happen in three days, particularly in crypto.

As far as bonds go, I will have to assess the risks and timelocks as they are presented and make determinations based on specifics. I used to buy my kids savings bonds to help pay for their college, but they decided they preferred teaching themselves what they needed to know and spent their savings bonds on hookers and blow, for all I know, so I'm not buying them anymore bonds. I'm not a bond investor as a rule, because such investments require confidence in the underlying financial system, and I have very little.

Rice I believe in.

Thanks!