(Anyone else feel free to reply since Acid's too busy as stated)
I think one thing people haven't yet discussed (that I've seen) Is taking a look at the global economy.
For most people, it's a total wreck. Housing in UK for example has gone from 3-4x median income to around 10x. Salary hasn't increased at all while food and energy and everything else has more than doubled.
Markets are getting more volatile as we've just seem a huge demonstration of it dropping trillions out in the time it takes to drink a cup of tea. Banks failing faster than any other time in history. The list goes on. Everybody feels at a loss.
They can't put their cash under their mattress anymore because that's essentially bleeding value. They're not saving money that way, they're losing it. They can't trust the banks and even if they could, interest rates are generally falling now down to pointless lows.
People need a haven where they can trust they will get returns that, at the very least, counteract the increase in living costs that the world is punching us all in the face with. 20% HBD to me, was that place.
15%, kind of is, but it just barely counteracts the rise of costs lately. Places like Venezuela which is about 90% of Hive nowadays would surely appreciate more HBD returns, too, although I can't speak for them.
I guess I'm ok with 15%. I took all my savings out to enjoy Hive appreciation right when it tanked and never returned lol, so it no longer affects me either way cuz I'm not putting it back until (if) we get back at least to 30 cents