You save up your HP and withdraw your HBD instead, as newbies you're expected to build your stake and only withdraw HBD when need arises. Your Hive power will build more influence for you on Hive Blockchain and you get to earn via curation rewards in the long run. Your HBD is liquidity at hand (i.e if you did not stake it) you can convert to Hive and to your local currency. I think you mistake the two of them..
You see why I call you boss, you always are on point and call me to order when am wrong but either ways,I just hope and pray that my friends understand what am trying to relate and thanks boss for the correction,noted