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Maybe with a long-term locking mechanism, the APR could be increased from 20% for long-term contracts. Even as it is, it's 22% APR if compounded monthly.

I bought HBD for 10 thousand - if the interest increased I would buy another 30 thousand!

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I'm sure many would do the same, with their eyes on the debt level at the same time. I see already bigger fish starting to move some money into HBD. Not too much because it's hard to take it out of the ecosystem if they need it. If it were easy, I'm sure some would put in significantly higher amounts.