Lots of good stuff in your post. You hit the nail on the head with self perception. Its crazy when 20% APR isn't enough. If I had more stake I'd happily opt in but as you touched on there is other things my HIVE needs to go to currently. Eventually once I turn some assets into liquid I'll jump on the 20% HBD Train. That is still months possibly a year+ away though.
Cheers,
!BEER
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