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I am, or so I believe. I do not think going into 2022 that I will be as active on Hive-Engine tokens, or I will be more choosy and look at the numbers much much closer. An account balance of $1,100 does not mean you can sell your tokens and end with $1,100, more like maybe $500 if you are lucky. I was using H-E as a place to earn and hold yet also to sell and get liquid funds, for the most part it has worked out, but not as well as I had hoped it would.

As for HBD, I think by spending a little bit now, slowly, that the peg and the interest will be worth it. 100 HBD in savings is only 1 new HBD a month, but that could in the future convert to 1 Hive worth ten dollars.