Back in Steemit days, there were entrepreneurs who also accept $STEEM as payment during a bull season but the payment option was stopped when crypto enter the bear market. Back then, the SBD was not working as a stablecoin so merchants can't rely on it to protect their earnings.

With the current situation of Hive, you may protect your earnings by trading your $Hive into $HBD and deposit it into your Hive Savings and generate 20%APR through it. That's the amazing thing about Hive right now. However, if you also wish to keep it as Hive, you may potentially x2 x3 or even x10 when the price of Hive soars to a new height.

Of course, this is just my theory and I haven't tested it myself so please don't take it as financial advice.