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@taskmaster4450le
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Ah yes. That is where the interest rate dilemma comes in. It is why the EU went negative with their interest rates. They want people to spend money thinking that will help the economy.

Obviously that did not work out.

However, you are focusing upon all the money you have in the HBD Saving program. If you needed something and HBD was the payment mechanism, you would dip into your liquid supply.

Why do you spend your dollars when you can investment them in something like IBonds right now and get over 9%? In spite of that, you still have bills to pay and things you want/need.

It will be the same. Yes there will be some HBD you keep in savings, many a lot. But you will also have it that you use for other purposes.

For example, what if you needed something in Ranarok that would help you win more battles? Then you would spend the HBD to get the card or weapon that you needed.

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