When all of us go to a bank to retrieve our FIAT we have a chance of not getting it. What Taskmaster mentioned a while ago: There is a shortage of Dollars. Let that sink in.
All HBD locked or in circulation is 100% accessible.
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The community can expand the supply if they wanted to.
That is the value of HBD.
The determination of the value is currently pegged to the USD. Yet, in code: 1 HBD = 1 HBD.
What I'm trying to say here is; if you have 100K in the bank, you might not be able to retrieve 100% of it, whether its value is declined or risen.
While with HBD, whether its value declined or rose, you will be able to retrieve 100% of your HBD.
If you know how the traditional financial system has used FIAT money to 'create' money. This is a massive.