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Good point about HBD, 15-20% on a stable coin also seems scamy to me, considering yout currently get more APR on HBD than on staking and curating HIVE POWER, while the later pays for the former.
I wrote down an analysis on this topic few months ago: https://peakd.com/hive-167922/@godfish/4-reasons-for-lowering-the-hbd-savings-interest-rate
I wrote down an analysis on this topic few months ago: https://peakd.com/hive-167922/@godfish/4-reasons-for-lowering-the-hbd-savings-interest-rate