RE: Hive Bonds: The Collateral The World Needs

Impressed to see that only a year ago, the medium of the consensus witnesses had raised drastically (nightly) and the interest then paid to HBD placed in savings was increased from 1o% to 12%, we didn't know that but we realize that now, a year later, it's at 20% min.
About the APR rates that might be too high/hives for HBD? Would regular campaigns of attracting ppl to the Hive with more examples of success like case studies of people starting and the possibilities of earnings through the hive and collaterals?
Let's say a user starts with a small amount of 90 USD value in Hives which goes up to 140 USD or more or less in less than a month.
That might attract some hive buyers like those who never heard about @steem before and @hive now, and it's true, it happens, anyone can do it, would just need to show and share it in proper recruiting campaigns as a social decentralized network that allows getting rewards, APR etc, make cash instead of FB and others whom enrich themselves with our same shares, comments and posts.
About "it is likely very little of the HBD created will end up going toward HIVE." Isn't advised when the Hive is under the USD to swap HBD to Hive? and vice-versa? Sorry if my understanding isn't right! We are learning!

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