Increase for 10% to 30% means more of a sharp change. We may go in steps. For a starting point somewhere between 15-29% seems reasonable.
Because HIVE have many other use cases and utility other than just printing a stable coin. More debt ratio can compromise long term economic models when prices fall and bear market is here. Anyways the way HIVE price is going up we are seeing decent amount of HBD to be printed.
Once we enable smart contract functionality and layer 2, We may see more user adoption and stablity.