That would be pretty awesome if you're example were to be true. I would just open a secondary account with very little HP and move all of my HBD into that account. With what I have in savings right now I could quit my day job at 300% interest. I get what you are saying though. Growing my account has always been my priority. It is the smart thing to do if you plan on being on the Hive blockchain for any amount of time.
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Yes obviously with the HBD example it is absurd. Most would do that. However, it is there to stress a point of who HP actually works. The different is people have to put in effort.
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