HBD and hive have a great thing, it is that we are able to see what is happening and take control before it goes too far, and we have the haircut rule which can help a lot to stabilize everything before it's going to far too.
There is still something I'm thinking related to the interest given to us when saving HBD, 15% is still a lot, I would say 10-12% would be good, even when we now have a balance, we are giving a lot of funds when a 10-12% for a stable coin related to the $ at any time, is still pretty good anywhere