To amend #10.3 above a bit, and again my apologies if this is incorrect, but it appears as if HBD is just a tool for whales (see https://www.hbdstats.com). 10,907,119 HBD in circulation outside the DHF, so how many TOTAL Hive users hold more than 10 HBD? 7,539,786 HBD are in savings, that means only 3,367,333 HBD are liquid on Hive right now.
I think that means that barely 10% of all HBD in existence are liquid.
Again I will state that I do not think we should get rid of HBD, but it definitely needs an overhaul imo.