I have been following the HBD bandwagon for quite some times. I managed to hold patiently a decent amount. It took me a while last year to get there. Finally I reached that threshold and I am looking for what I can do this year. As we all know @geekgirl posted every month the trend to give a look into the holding of HBD in the saving tank. As I looked through it is way back till 2021.
When you think of 20% APR it is a great deal if you have patient. I have to focus of the word patience. You have to wait after around a month time before you can withdraw it to your account and then you have to wait three days to spend it. I am talking about your HBD in saving and the earning associated with your savings. Many has approached it and decided to be part of it. If you go down the list by 
Before I go further there are many posts explaining why HBD as a debt with 20% is not a problem for Hive and the community. I think there are too many obstacles put in place to stop from ever happening. By the way a big chunk of HBD belongs to DHF helping HBD to maintain the peg to the dollar. It helps both ways. That big chunk of HBD is not participating on he 20%. Solely you and I can participate and earn back that interest.
Are you part of the list? If so what do you like about it? What you do not like about it? Personally I have to be patient to be part of it. I wish what you earn should be available right away. Maybe in the future the witnesses could exercise the code to enable it. Maybe in the future the percentage can go up. At the same time it is a privilege and your free will to participate. The same way it can drop down to 10% or less. I think if Hive appreciates abundantly expect to see it going up. I can say the opposite if Hive goes down more, giving enough room for the blockchain to play its part.
One key value of HBD it is open to everyone. Every HBD is back by Hive. So since Hive is around 30 cents, for one HBD you need around 3 Hive. When you look at the current supply by adding HBD on top this is in reality the amount of Hive we have available. It is to show what value is. I can see why we need more HBD to concurrent with Hive giving us a higher threshold as a blockchain. I think the best approach to have more HBD it has to come from burning Hive, reducing the amount of Hive available in the market. This will put pressure on Hive price to rise in order to match with HBD.
Having 28 million is a start for 2023. Hopefully by the end of the year 50 million on the book. I know the fund will grow but the real deal should be us holding the HBD giving a decentralized aspect for the blockchain. I looked from prior month to last month I lost close to 10 places on the list. I did not withdraw and I put more into savings. Somehow more hivers start to understand the value and join. This is the competitive aspect that insinuated in the community.
You would think more will join. It is happening slowly. I think as more build enough patience to withstand the wait we will have a lot more participating. If I play around I could easily drop off the list. Actually I am adding more going forward. It is a no brainer. Anyone can participate. You can buy it off the market or write posts and earn it that way.
You could be part of the list. Can you make it top 500?
Keep on vesting though.