@anomadsoul made a good point on the show. Keeping 20% APR in $HBD keeps people from flocking to other stables like USDT, USDC or DAI.

You guys' view on letting the token spread far and wide in this early stage also makes sense. Like you said, it's a touchy subject, but if $HBD is only 5% of $HIVE's market cap, we've still got room to grow without jeopardizing the chain.