Great clarification upon the fact that HBD is worth $1 of HIVE and not $1 of its own. This algorithmic relation embedded at the base layer should ensure the stability and sustainability of both HIVE and HBD. And as you've said we need to see more implementations at the base layer that make use of these assets in order to open the door for bigger investors.
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I think the idea of Hive Savings Bond would really appeal to a certain class of investor. Start with a 1 year 25% return and see how that works. It would likely garner some attention.
From there, more levels could be added over time. We could end up with a complete offering being developed.
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