I'm just pointing out that a relatively high interest rate stable coin has a different appeal than a low interest rate non-stable coin. Interest rate is far from the only consideration. HBD has (currently) the advantage of a high interest rate. Hive doesn't have this. Hive has the advantage of a large potential increase in value. HBD does not have this. You can't compare the two on interest rate alone. When the conversation is happening doesn't change this.
I'm just pointing out that a relatively high interest rate stable coin has a different appeal than a low interest rate non-stable coin. Interest rate is far from the only consideration. HBD has (currently) the advantage of a high interest rate. Hive doesn't have this. Hive has the advantage of a large potential increase in value. HBD does not have this. You can't compare the two on interest rate alone. When the conversation is happening doesn't change this.