Lot's of questions, not sure of the answers, but I am feeling like HBD might be a concern. The other possibility is the witnesses dropping the interest rate for HBD. all stuff to keep an eye on I guess. I'd love to here everyone's thoughts on this.

Sorry for late reply.
As I mentioned earlier we need to think about how we can help ourselves by helping Hive. Selling our HBD and powering up Hive is one option, but it won't change much in general because the excess inflation comes from DHF.
It's quite funny how whales are in the trap. On one hand, they loose tons of cash they'd invested in Hive, their stakes bleed like pigs. On the other hand, they're also the beneficiaries of the DHF.
Witnesses on the other hand they start to talk about dropping the APR on HBD, but let's not panic 10% on a stablecoin is more than decent.