Not only that, but you also need a stablecoin. Even if you pay with HIVE and you have 0 fees, by the time you reach Binance or HTX to sell it, it might have already lost 10%! I remember some idiots here on Hive, and on steem before that, who were at some point trying to advocate for the removal of HBD because it was "too complicated". Ideally, HIVE should have a stablecoin for all major currencies, especially the euro (a Hive Backed Euro). The interest rate on HBD savings is also a big incentive to use the HIVE network rather than banking network
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Could not agree anymore.