Sure it's the easiest for the short/mid-term.
5% is IMO top end for a stable coin. Otherwise, the coin can become out of competition compared to other ones.
We need large Volume, the only way I see to abuse is a pre haircut massswap with higher swings, but there is a big random component also there. There is trading less risky.
So if we don't have a problem with a large amount of HBD, we should make it cheap to create them.
Maybe I will hold some too, because 3% also nice for a stablecoin.