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These are legitimate concerns.
I see a path off Hive via Leobridge to Polygon and trade for USDC and then to Juno account. I can reverse this to inject Fiat into HBD.

Yes! It's awesome that we have Leo Bridge as an option, unfortunately transactions sometimes get stuck and takes a few days to clear or get refunded; not optimal yet.

Yes, I unfortunately experience this also. Fortunately Khal always makes you whole, but I also look forward to a time when failed transactions are just a memory.