RE: HBD Savings APR is oscillating between 12% and 14%

The root of our problems is large HBD debt. It comes from various sources but could work even with 20% interest if everybody acted with a single rule in mind.

Don't trade your HBD to HIVE, convert it.

When you trade the liquid amounts are unchanged. But when you convert the HBD amount disappears and the corresponding HIVE appears. Yes it's slower because you have to wait for the conversions 3 days, but this way you actively offset the debt caused by interest, dhf, etc.