Systemic risk is not a variable in this discussion.
Again, every asset has systemic risk it's not relevant to the conversation.
SP500 going down is an inherent systemic risk you brought into the discussion. Hive's value can change like a stock which indirectly creates the same risk for HBD.
Then you haven't lost anything and can act accordingly.
I have lost at minimum 5% from the principal. Changing of the APR will change the whole timeline of when I can actually expect a return.
Unserious statement lacking a single example.
Turkish money market funds, Turkish forex funds. Inherent risks to these are not that much higher than HBD's risks.
Again, you didn't lose anything in this scenario.
I shouldn't have to explain it you should just know.
Again I have lost at minimum 5% from my principal. PRINCIPAL is in USD not HBD. To get HBD a) I have to buy it B) I have to convert Hive to HBD which comes with a 5% fee. 100K USD worth of Hive converted = 95K HBD. If witnesses decides "rug pull" the APR at this moment as you put it, I would lose at least 5K USD.