Please remember that many countries have significant inflation and that any investment worth its salt has to make the real value of your money grow faster than this...
Here in South Africa, our inflation is often over 7% and our home loan repayments have interest rates of about 12% (increasing all the time as well). If HBD interest is less than either of these, I won't bother to do HBD savings and will try trading back and forth between liquid HIVE and HBD or just cash out my liquid rewards and invest them in another way...