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Probably people sell their HBD for other cryptos but people like me like reinvent HBD in the same blockchain for HIVE. I can't immediately buy hive if I put my hbd in savings when I see good price for hive to buy. So, people like me deserve interest since we are reinvesting it in the community itself. Just my opinion.

You can't have both no staking time delay cost and get staking rewards otherwise what is the point of the staking rewards. My opinion obviously but inflation should be a reward for doing something (securing the network, undertaking proof of brain ie posting and curating, or locking up tokens)