Probably people sell their HBD for other cryptos but people like me like reinvent HBD in the same blockchain for HIVE. I can't immediately buy hive if I put my hbd in savings when I see good price for hive to buy. So, people like me deserve interest since we are reinvesting it in the community itself. Just my opinion.
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You can't have both no staking time delay cost and get staking rewards otherwise what is the point of the staking rewards. My opinion obviously but inflation should be a reward for doing something (securing the network, undertaking proof of brain ie posting and curating, or locking up tokens)