Hbd solves the 35m usd pizza problem.

Hbd is worth one usd in hive whether hive is a dollar, or a dime.

Without hbd, one is stuck with passing those opportunity costs with the purchase.
Better to spend a dollars worth of hive, than than to spend 1 hive potentially worth 1 dollar, iyam.

Hbd protects against upside, and downside, risk.