Once HBD proves itself to be more stable, I'd love to see outside investors buying and "staking" HBD for the interest. With a higher percent APR(I'm personally advocating for 12% because thats what platforms like Nexo offer but we can be even better since you actually hold your keys + your crypto) that should be a lot easier. Thanks for taking the first step, which I hope others follow.
For your point 5, its definitely true. I've got bills to pay and I'm holding HBD to pay them for now since they should be worth close to $1.