Many of your comments say HBD and 20% APR is very risky. I have considered many potential risks, but due to the mechanism how HBD works I tend to believe risks are lower compared to other investment options.

I understand that all investments have some risks. If you know some major risks feel free to share. Just offering 20% APR cannot be the risk. Because witnesses have been closely watching how HBD has been behaving. They will discontinue the APR the moment they see any harm to the Hive blockchain. This can happen in a matter of minutes.