HBD is definitely a great "entry level" way to explain cryptos and get someone to dip their toes in our ocean. Ever since the 10% interest thing became a reality, I have been a lot slower to cash out my HBD, or exchange it for Hive. My wife is even onboard with it now.
Our local bank pays 0.1% on savings...
LOL It's insane. That's why these 'centralized defi' places get so much business just offering 4% on people's bitcoin...It's huge compared to whats normal.