I agree and I think we need more HBD out there if we want it to be a stablecoin. The debt ratio is still fairly low and I think removing it during the bear market is not a good decision either. If the price of Hive was going up a lot and we were in alt-season, then maybe. I don't see how reducing the APR will solve the existing issues with Hive because the inflation just isn't that high due to the debt ratio.
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