Sustainable APR Choices Can Shape the Future of HBD and Hive

If we did change the 20% APR on HBD to a lower one without a sustainable reason then I would say we are living in illusion and not reality. I am saying this because all the online mobile banking apps that used to give 20% interest rates annually changed the percentages a long time ago.

Source & hbd description

I know comparing Blockchain and traditional banking is something that we do all the time. But, it's logical to do things that are sustainable instead of trying to fake it till we make it. The latter always has dire consequences because if you fail to move the pawn off the chess board well, you will fall back into a sorry ass.

Sustainable practices apply to everything including money. In fact, money is the bedrock of everything. We wake up every morning and we make decisions to make sure we will have the funding to survive the next day.

And if we do not make sustaining financial decisions, we will end up being pushed to the walls. You know we barely really know what we are capable of doing unless pushed to the walls, right?

Yeah, but I wouldn't be asking us to wait until we get pushed to the wall. I'll rather we stick to sustainable practices, that will make sure we can keep the APR on HBD, and allow it to keep seeing the light of day for a long time.

We can't be caught trying to pretend all is well just because we want the Hive returns to look juicy. In fact, we already know juicy returns mean investors are supposed to be choosing high returns even when they know the risk... High risks, high returns, right?

Yes, the last part is correct. But we shouldn't also forget that the reason we had HBD with that amount of APR was to encourage adoption. To convince a layman to leave their HBD in there, and allow it to compound with the hopes that they are getting better APR on their hard-earned money.

So if we do want our stablecoin to not end up like the rest of the stablecoins that we saw their downfall a few months ago, then, we should stick to looking for sustainability, instead of trying to change the code.

Sustainability will ensure that we print HBD, and we do so for so long while allowing compound interest to do its job. If we can't sustain our stablecoin, we have no business trying to encourage anyone to trust us with their money. The perk is as much as the euphoria of trying to be on top of the margin when it comes to who gives the best interest rates and who doesn't.

Over here, Hive wants to make sure we stand out from the rest of the people in the crowd. We won't be able to do this if we are not embracing the fact that there will always be a few hiccups when it comes to dealing with Blockchain and cryptocurrency because they are still on a learning curve.

Yes, the market will be unpredictable as we continue to move forward, but, I stand with the notion that a lot of things are going on with the market at the moment, and if there's something we should really be up and running about, it should be our money.

For this discussion, I'll ask one question and offer the two sides of the coin.

• How much should our witnesses decide is a favorable percentage that will be consistently paid out without a glitch?

...One, if it's something lower than 20%, then I'm sure a lot of people will switch their HBD to Hive and that would still not solve the problem.

It's better if we leave the APR where it is so we won't be returning to the legacy that the traditional banking system has been building for so long. After all, we are trying to stop them from making a mess out of our hard-earned money by proposing a chain that values people who have money and decide what they want to do on their own without a third party.

Trying to beat the market has never been a stainable practice unless there is someone in the market we are sure we will be able to screw over as they do in the traditional financial system.....of course, the last part shouldn't be considered. So, the APR on HBD should stay, it's sustainable, Instead, we should look for other ways to make Hive juicy too.

... Two, If it's something lower than 20% and they are sure, it will be consistently minted for as long as it is favorable to either increase or draw the line, then, I think they ought to do it.

This is because staying long enough in the heat means we define our margin of safety. It wouldn't matter how much crowd we can pull if we can't consistently make those returns.

We should be able to pull through the bear market and we won't be able to do that if we don't stay long enough to withstand the heat in the market.

The new crowd we have been trying to pull should be able to look at the past, and present, and see a future where their money not only stays safe but, works around a dynamic that encourages sustainability.

To bring this to a close, I think that, whatever decision the witness reaches, it should be a sustainable one. One that doesn't only bring the crowd, but, makes them stay.

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