In this case, the first step for UIs is to include a haircut warning in the convert HBD->Hive section. Preferably along with an estimate of the current debt ratio.
IIUC, the real issue is that few people understand they can get rekt when they seemingly start HBD conversion in time but then the debt ratio goes over the limit and their rate gets calculated from inflated internal price over the next 3.5 days.