I think there should be a way to scale the demand of HBD on time.

5% for the current system (3,5 days) and if someone wants to create more over a longer time period the fee becomes reduced.

like 30 days = 1% and 90 days = 0,1%.

Why? because it would increase supply and would work like an DCA out of Hive.

But it is overall way too confusing. Like alchemy.