When I saw the whole comment thread it seemed that A Quinn, and one other person, were saying HBD is a scam (harsh description IMO) because of the inflationary nature of hive as a crypto (saying that it's not a sustainable 20% Apr).
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Then Acidyo turned up and explained that the APR could fluctuate voted by the witnesses to sustain the overall hive economy. The difference to something like Anchor is that the whole community would be informed in a post of the change.
Then if you didn't like the new APR it only takes
"Balance is subject to 3 days withdraw waiting period" so wait 3 days, and you've got your funds and can sell. HBD $ peg has fluctuated by $0.02 either way in the last year, where scam?😆