No I was ignoring it with my following statement, not saying you did.

HP obviously isnt where its coming from as HP is increasing consistently over time without any major drops that could be attributed to choosing HBD savings over HP.

What do you mean with obviously? It all depends on if the hive is converted or traded, the former removes hive from circulation the latter may not. I haven't checked the data on that in a while, @dalz probably has it.

Mate, we both know close to no one knows Hive/HBD, it's not a stretch to say in and of itself it didn't do much marketing to bring in the value some people, myself included, maybe expected an insanely high rate of 20% was supposed to bring. Be it cause of luna reputation, be it cause Justin Sun is the only other one who bothered offering such returns or due to lack of marketing and any funds used towards that hoping we'd yet again just rely on word of mouth/web2. It's not like we have random accounts with hundreds of thousands of hbd we can't know who they are/have an idea. @mika is probably the only one I have no idea of and his account is from 2016.

I don't disagree that some of that HBD may go away if we lower the APR but it has to be done at some point anyway and my opinion was it should've happened a long time ago.