Just use the common sense. There's nothing like free money to grab, and when something looks too good, it's likely scam.
That's, by the way, one of the reasons to lower the HBD Savings interest. It looks scammy for people from the outside.
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Good point about HBD, 15-20% on a stable coin also seems scamy to me, considering yout currently get more APR on HBD than on staking and curating HIVE POWER, while the later pays for the former.
I wrote down an analysis on this topic few months ago: https://peakd.com/hive-167922/@godfish/4-reasons-for-lowering-the-hbd-savings-interest-rate