I'd just make a simple change. That whenever a post is read from the blockchain it gets a message added to the beginning and end, "Hive tokens are not real money!"

I guess it should also link to an explanation of how volatile crypto pricing is. Personally, I like to think of it like Monopoly money. Fun to play with. But intrinsically NOT stable. Hive Power is an important part of the game - not an investment.

Some people claim, "Not Your Keys, Not Your Coins" is the first rule of crypto. But "Be prepared to lose all your money" seems more important to me.

Or maybe it's as simple as making the default reward 100% HBD? Or maybe Dbuzz has the answer?

!BBH