I'll give you my vision, which isn't necessarily right... HBD earns 20% a year, which if you think about it would only pay off if you believe that Hive will grow by less than 20% in 1 year's time. I don't think many people who are in Hive believe that it will be below 0.50USD in a year's time and there are some enthusiasts who would say much more than that!
In that case I don't think HBD is worth it. But there are many other things to consider when leaving your money at work.
One of them, the one that makes me have HBD in savings today, is the ease of liquidity. It's much quicker to withdraw HBD from savings than to do a Power Down. So for those who want to have an emergency reserve in crypto and may need to withdraw quickly or even need to withdraw in a downturn, HBD becomes a good option. The yield for a stable coin seems very good and I can withdraw in less than a week if necessary!