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Hive and HBD are quite different. HBD is meant to be stable while Hive's value can be very volatile. To me it makes sense to have a stable coin for transactions, especially when one wants to send a fixed amount of value. The problem, however, is that a lot of that liquid Hive is probably in the hands of whales that are only interested in making profit. But then again, this is probably for every coin the case.

I can understand people may want to peg their value of Hive to something. But the practice shows that Liquid Hive is used far more than HBD for transacting. Probably if you include Swap.Hive, it makes HBD usage look insignificant.