Prior to the interest rate rise I was working on a web site to integrate with HIVE-Engine; So, I was converting my HBD into SWAP.HIVE on Hive-Engine.

After the raise, I realized that the coins on HE were doomed to collapse and anyone who developed programs for Hive-Engine would lose their investment.

The whales that wanted passive income from HBD claimed that the 20% interest would bring tens of thousands of people into HIVE and it would lift all boats.

Some thought the high interest would bring in merchants and establish HBD as alternative to the US Dollar.

This hasn't happened.

The current possible maximum HBD is $45 M. If it didn't happen when there was $14 M HBD, then it is not going to happen.

Since the price of HBD is dependent on the price of HIVE. The HBD marketcap really can't rise much higher than it already is.

This is not enough for businesses to replace the USD as a primary means of exchange.

Just as it would be foolish for a company to integrate their business with Hive-Engine. It is too risky for businesses to integrate with HBD.

Unfortunately, it will take another six months or so for the witnesses to realize their mistake.

!BEER