I like the idea but I like to raise a question.
How "safe" can we withdraw a monthly amount in 10 years to use this to pay our bills while retired??
Let's think one has 120000 HBD staked. He would get monthly 2000 to live his life in happyness. How do you get this to your credit card, your back account or to your landlord to pay the rent.
It's a fair point, it's why I don't rely on crypto for my retirement, in ten years it may not be possible to get it out. ATM it's easy to go via an exchange to bank or crypto credit card, which may not be possible by 2030.
On the other hand we might have more integrated payments by then - Hive to PayPal.
Whatever is the case I'd fully expect it to have to be declared and tax paid!
Interest is taxable yearly, so does that knock 20 odd % each year off the CI added to stack?
If it were real money then I guess so but we're only talking about hypothetical fantasy tokens here!