It's only limited to having HBD in savings. In reality, everyone faces the dilemma you face, but after careful scrutiny I think there's no need to prioritize one over the other. I think HBD helps one against volatility. Plus, business people can just explore HBD and use it to make cool profit. With hive, when you get your timing right, you can just convert back your HBD to hive and take advantage of the bull market