It has use for those who want an onchain stable coin.
Can you describe who they are and how HBD is helping ?
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As a simple example, any voter for Hive proposals that would like to pay a stable pay rate to proposers. And vice-versa, anyone making a proposal that needs steady predictable payments to execute on their proposal.
"HBD is mostly optional. If you don't want to interact with it, just ask for your posts to be paid in Hive instead." -blocktrades
This will result in you receiving less value of reward paid out to your account as HIVE does it not? (in case of HBD being overvalued by open market)
3% a year is better than nothing but still not worth buying at multiples of it's intended price. lol