Only 9 million HBD in circulation but only the 3 million of that in savings earns interest. So this is really a very tiny amount. If that increases a lot the cost of interest may (or may not) become prohibitive and need to be reduced. But for now it is great.
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That is true. It can be reduced. Of course, the buildout of use cases and other utilities enter into the equation.
Hopefully people focus upon building and applications incorporate HBD into their operates.
Plus the two-way conversion mechanism allows for the altering of the supply as the HBD/HIVE holders see fit. A rather great system design.
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