I think part of the issue is that the network incentivizes holding Hive. Therefore, people used to convert their HBD into Hive in order to facilitate earning more Hive. But, now that holding HBD is incentivized with earned interest, we are starting to see a shift. I think we are still early. Not enough HBD has accumulated for us to consider it for commerce.

For example, I have only managed to accumulate almost $25 since the hard fork. This is not very much. It's still a curiosity rather than real money. But, once users have savings in the thousands of HBD, we may very well see commercial use.

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