My guess is many people lean towards passive income. Increasing your HP requires participation. It also seems more complex - less certainty about your ROI. Whereas if you have a clear APR set, then you can park the money and not do anything - it just grows. So maybe there is more certainty and more passivity (less action required) when you hold HBD in savings as opposed to holding HP.

Another thing I'm wondering about is the compounding. Will HBD compound every 3 seconds? Does HP compound every 3 seconds? I'm not sure about this but if it does, then it seems extraordinary and the compounded interest (APY) would be far greater than the APR.

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