Yeah I get that, here is why I disagree.
If you say HBD is a stablecoin, then it must remained pegged to the USD or whatever currency it is "stable to" and must remain so for years to gain trust. The same goes for the interest rate, if you advertise 20% APY which is per year then cut the interest rate to 15% after year 1, no one is going to trust that it will remain at 15%. What is stopping it from changing again to 10% or 5% or 0%? In the eyes of an investor, nothing. The interest rate changes on the whim of the network. Not very trustworthy hence why big investors don't trust stablecoins or 20% returns because they know it's not real and changing this would prove that correct.
Failed promotion? I have not heard a single content creator since the days of steemit even mention this website. Ya'll poured money into the like of Luke Radkowski and he left yall a long time ago. The Hive whales picked the wrong people to back and now no one uses HIVE. No one talks about HIVE, no one even knows it exists. If the higher ups at HIVE want to promote this website start finding decent content creators again and recruiting them here. I am not talking about me, I am talking about actual decent large content creators. This place needs a BUZZ to be an actual HIVE.
Nobody should have ever been advertising this as locked 20% forever. Anyway, it seems like the network is moving towards a bond system that could help here, eg https://peakd.com/hive-167922/@taskmaster4450/this-is-how-hive-bonds-will-work
Okay okay, now this looks promising...
This is something I can sell to an audience. 12% on the first year investment is quite good.
I still think we need to address the "onboarding" issue with HIVE, meaning we all need to come together as a platform and drag people here kicking and screaming. Somehow we have to make HIVE relevant again.