Yes, I notice that if you search the accounts with the biggest value... Very few seem to be saving HBD and making much use of the 20% interest rate, which I find strange.
20% is a large number... If you could save 5 times your annual living expense, you could live off HBD interest alone. This is a huge number, but for some people it might be the equivalent of selling your house and renting instead, and putting the value of your sold house into saved HBD to just live off (if you trusted the 20% to be that safe in the long term)... So yes it is a big number for a safe and stable investment instead of a risky one?