I think your bank would call it a cd, and require a longer lock.
Interest on locked liquid hive brings the hive back from the exchanges, gets diluted a little less, and still rewards authors by inflating the inflation.
HBD was designed to be a currency, not a store of value, though it does that, too.
It primarily gives us a way of avoiding 10k hive pizzas being worth 350m usd at some point in the future.
Hold your hive, spend your hbd.
What benefit does staking hbd give the chain?
HBD is 'Hive But Disguised', there's no reason to give any special preference to the Hive holders over the HBD holders.
Let's say Alice spent $100 to buy 1000 Hive and Bob spent $100 to buy 100 HBD.
I can't see why Alice should have more 'rights' than Bob.
I'd go for the witnesses to pay interest on hbd when it is below the peg, but getting those folks to do things from outside their own worldviews is like pulling teeth.
I'm not sure that paying interest on debt outside the witness parameter is a good thing.
We'll have to consult a better mathematician than me.
I just hope we can get some movement here, it's been several calendar years that we have been waiting.
We've been having these conversations since hf16.
At this point, any forward movement gets me excited.