I think this will be a great improvement for Web-3-based platforms like Hive, Hive already has a scalable money or monetary transfer service and that's cool. But I think the web-3 ecosystem could grow and gain more traction if it were to be used in everyday mundane activity.
Perhapes we could build a service that allows people to buy groceries and other daily needs through hive, maybe a marketplace, where people can buy things they want and need. Such services improve the cyber presence of a project, leading to influx new of users.
i don't know really, like you noted some of these can be attributed to rigid system architecture. But i think if given enough attention can be pulled off.
I am building an E-commerce for my mums buissnss and i have been thinking of adding more payment options like HBD, LEO and USDT. This will allow her to collect payments seamlessly through her Hive account. I believe this will at least grow the popularity of hove in my location and state.