"HBD is debt of Hive holders and serves no benefit to Hive holders whatsoever."

Then why do Hive holder take on that debt? I greatly benefited from HBD savings on the debts I held. Does it hurt when you try to think? How can you fail to note that benefit? It's the very thing you're complaining about!

You call me a retard but are incompetent to correctly note that people have to acquire HBD using capital, which is what market capitalization enumerates. I note that it's been said that whomever first starts throwing around insults has lost the debate, and you again prove the truth of that adage.