The profit from staking the HBD in savings will be a good option. I would really love for Hive to start to be adopted as a payment system. In this case having a stable coin is good for doing any contracts, where you don't want the volatility of HIVE to suddenly change the deal. In this case it's good to have HBD in the wallet for payments, and it can be staked in the savings for a small yield. The 3-days unfreeze period is short enough not to get in the way.
RE: Pay it future