Yea, it's much more efficient. If Hive replaces applications like Venmo, the price would skyrocket.
As for adaptation problems, I think we should be the ones to start adapting. Like accepting Hive as well as the normal currency in what little shops we got or services we provide. That helps bring money into circulation and prevents overselling of Hive as well.
Hive as of right now has the perfect blueprint for starting a digital world/ecosystem(both economically and technologically), but we need more people onboard and more apps developed. If we can use it outside in the real world, then it'd be the perfect currency, Heck I wouldn't even mind if it were just HBD on Hive blockchain 😅
This is actually one of the projects I am working on, setting up resources and systems for small business owners to utilize HIVE for payments, transfers, and interactions.
Even though transactions on Hive are pretty simple as of now, having an implementation of it in the form of payment apps brings more exposure and makes it handier... looking forward to your works, man.