Hmmmm. Very interesting read. I must admit that I have been taking advantage of the 20% APR available on HBD savings, but somehow it doesn't feel as good as growing my HP which I strived to do for years and years!
My thinking was to grow it, knowing that it won't be around forever and when it drops back below 10% I could convert it to Hive and power it up..
I wonder would Hive still be at 0.30 if HBD savings did not have such a high APR? I suspect it would be more valuable to be honest, but who knows. It's really just crystal ball gazing trying to guess.
I can't tell what could have been if... I merely presented my humble opinions which root in my common sense :))
There were times with no interest rate at all, and it worked. The great discussion under this post and several others inspired by it gave me an idea for another article regarding the value and usage of Hive (among other topics). I believe that we as a community should self-govern ourselfs a bit better than we currently do, so I appreciate any engagement and opinions on posts like this. I'd be happy if you stopped by in like two days when I publish it and share yout thoughts either :)