My big concern revolves around the power that is freely handed over to the Hive Watchers. They operate as censors, whether they acknowledge that power and control or not, is largely irrelevant. To have a truly decentralized stablecoin, $HBD must be made to be outside of the control of any entity. It can be so much more than it is now with the introduction of the Virtual Smart Contract, currently in development.
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I think that's a different issue in relation to HBD. Anyone can commence their own enforcement of the block chain. I'm a member and on a DV trail for another group. There are clashes at times but it is hive. Open source and people can do what they like.
So long as the currency has a degree of separation, then my concern is moot. I care very deeply about financial sovereignty, so Hive fulfills that in ways that no other blockchain can. Open-source is also my preference for everything whenever possible