I'm just pointing out that a relatively high interest rate stable coin has a different appeal than a low interest rate non-stable coin. Interest rate is far from the only consideration. HBD has (currently) the advantage of a high interest rate. Hive doesn't have this. Hive has the advantage of a large potential increase in value. HBD does not have this. You can't compare the two on interest rate alone. When the conversation is happening doesn't change this.
RE: Final Thoughts: 20% HBD has been a Smashing Success.