HBD has been a failure and being promoted as an active form of exchange is dishonest at best if not deceptive.
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HBD has been a failure and being promoted as an active form of exchange is dishonest at best if not deceptive.
I would rather say we don't use it the way we should. It could be a great tool, though. I am just thinking about writting down an article about that soon.
I think, like you said, it is only really useful for those paying things in fiat in a future date if you want certainty. For paying straight away, people can do an instant conversion easily like any currency. Then the 20% hubris has come in and taken over.