The worth of stable coin is realized when the market hits the bottom. Countless times, the situation came to my doorstep lol. But I must say, HBD as a pegged currency and that even paying a good APR is one of the best thing that we can find among stables. Also the constant worry that has been arising about stables such as USDT, BUSD is close to none in HBD. I guess, in next bear market I will probably stack into HBD and just enjoy the APR through the winter. But for now, I am into HIVE!!!