It does seem a little weird to only see the 5% fee on only 1 side. How often do people use the HIVE->HBD conversion? It's not like the internal market will be affected so I think it will be fine and it adds more security to the system.
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The only time HIVE->HBD conversion was used was when there was a huge pump of HBD up to 1.25 or so. Obviously it doesn't make sense to use when HBD is "only" a few cents over $1. However, when that did happen, it was used a LOT.