The easiest way to think about it is as if HBD are US dollars which you can "deposit" to get a "fixed" interest rate on them. While Hive are stock shares in this "company" called Hive. Locking up shares (AKA powering up Hive) generates some extra shares, and gives you more say on how rewards will be distributed, and how the "company" functions.

With that out of the way, if said "company" grows and thrives, its shares become more valuable, and we all benefit from that! 😎
So, basically, we all are working towards the same goal.

But in the end, it's a personal choice on how invested one likes to be, and how comfortable they are with risk taking.

to be genuine and open in my expression

Yes indeed. You'll find this as one of the best advices. Just be yourself! 😉

but if we don’t I know that we will have a great time anyhow

Pretty sure you will. The people on Hive are mostly amazing, you'll get to meet many, and make awesome friendships. We do have a saying in The Terminal; "Came for the crypto, stayed for the community".

Last but not least, I wish you the best in your journey Hive account@grindan. Feel free to reach out if/when you need help or have any questions. You know where to find me! 🙃