Having some form of collateral is certainly a great idea, maybe even a basket of top crypto and stablecoins, but the main problem is that inflation of HBD is unsustainable in the long run, unless we make 20% profit each year, which is hard to accomplish for a stablecoin.
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Which successful crypto has increased less than 20% per year? Which do you expect to increase less than 20% per year over the next ten years.
Truly long term, I definitely agree, but that may be a very long time.