I think it does not have value from the user's point of view. It seems more profitable to pay 12 times 10 dollars as the time goes than 100 dollars now. In terms of crypto, of course. It would feel different if it was all about fiat.
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As I see it, both options are pretty close. My 100HBD today may be just a small bit more worth more than 120 HBD after 1 year.
And I get a 12 month worry-free life.