HBD was not a popular coin before raising the interest to 20%. Quite frankly, I think the only thing that saved HIVE from a major reckoning with HBD was that the ratio of HBD/HIVE market value was extremely low when the last market correction occurred. It was hovering one percent.

Ausbit's HBD Page shows that it jumped to 4%. The high interest rate means that HBD market value is climbing faster than HIVE. So, we could be in trouble if there is another major market dip this year.

The nasty aspect of algorithmic stable coins is that they amplify movements in the price of the coin that guarantees the stable coin. It makes the peaks in the value of HIVE higher, but makes the dips in the price of the base coin much deeper.

HBD was not popular before the interest rate spike. The percent of accounts that had HBD in savings was very small. I don't think the coin is worth the increased risks and increased price volatility.