I totally understand your point and that's exactly why this whole 20% APR on HBD was a mistake. It was originally meant as a way to attract investors in a situation where other systems were paying similar interests. Some users on the chain with influence thought that hive needed to compete with that. APR of saving was increased but, honestly it attracted very few people from the outside.
The problem with that was that the interests on HBD were non programmatic inflation that was added to the organic inflation of the chain. Meaning that for an external investor it was not visible at what rate the inflation was evolving, which killed trust and therefore was actually the reason why investors didn't come.

So what is the solution? I don't really know but if I were in your shoes, I would do the same and sell the HBD as long as they are still worth close to one dollar. In the end, nobody will say thanks when you lose a lot of your captial...