Its too technical to understand me the HBD and Hive Hard Limit but what i simply understand if Debt ratio is higher then We don't receive HBD from reward pool . I think its well balanced financial ecosystem in hive blockchain which strictly control the inflationary printing of tokens . Thats why HBD is more useful and profitable if someone go for savings where 10% APR is not a bad deal .HBD is partially pegged with US dollar and that is another beneficial point to hold HBD ..Who knows when korean pumps the price value of HBD till 10X in value in near future..