Well I can add this to the discussion, ever since the change occurred and HDB starting earning 10% interest in savings, I stopped cashing out my HBD into other interest bearing coins like XTZ, or Algo, or ETH 2.0. For years I had taken half my earnings in HBD and immediately sold it for one of the above coins which I HODL to earn interest. However at 10% interest I plan to keep some $ on Hive in my savings account to earn 10% on my holdings, so for the past month or so I have just been storing any HBD I earn into savings until I reach a certain amount that I feel comfortable with as another rainy day fund sitting there earning interest. The pegged to $1 USD thing makes me feel as though HBD is one safe asset that I can stash, earn interest on and still be ahead of inflation which is about 8% right now or higher thanks to Biden and more realistically the Banksters at the Fed.