I am simply responding to your statements. You used the term Hive holder, and I used the same term you did. I hold both Hive and HBD. I doubt many that hold HBD don't also hold Hive. I've said this twice already, so I'll try to make it easier to understand. When a bank holds customer funds on deposit, even though those funds are actually debts, as every dollar in existence is today, this creates greater financial stability and assets for the bank. Because HBD are purchased for Hive, to get HBD you have to first have Hive. This requires HBD holders to have transacted for the Hive to have to be able to exchange the Hive for HBD. Each Hive token sold for this purpose increases the market capitalization of Hive as represented by outfits like coinmarketcap. That alone is good for Hive. But so is the holding of HBD in interest bearing accounts, because, just like the bank, that creates greater financial stability and depth for the platform. These things reduce the risk of holding Hive, which benefits stakeholders.