It's just a reminder on how things are done on Hive. It does make me wonder just how things will go in the future and we still don't know the entire effect of the HBD interest. I think that the debt ratio should solve it as it guarantees that there is enough Hive out there.
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Yes, the haircut is a good failsafe, but I wonder how some people who never went through haircut periods before would take it, especially for interest on HBD in savings (which didn't exist before).