Some people make uninformed decision out of ignorance because they refuse to do research. That is why we have people wrong assertion, like *"HBD SCAM. 20%UNSUSTAINABLE.
What we have is someone who evidently has no clue about HBD yet, simply due to the 20% APR, it has to be a scam.
Thanks @taskmaster4450 for the detailed and understandable explanation.