No doubt what you describe is the appeal to HBD. The ultimate use case is, well, use. That is the problem with cryptocurrency, people treat it like stock to speculate as opposed to utilizing it. Stablecoins are the exact opposite.
I love what you detail. A peer-to-peer marketplace built on Hive using HBD as the token is a huge step forward. It would certainly advance all aspect of the decentralized world.
Yes I think it would hinder the amount that goes into savings yet would increase the amount held liquid for the purposes you set forth.
The key, as always, is distribution.
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