So what could be the value of Hive simply as a payment system?
This depends on mostly where it is accepted. Are the stores, markers, supermarkets, hypermarkets accept them? Technically the Hive Dollar (HBD) would be very easily usable almost anywhere. Nowadays Hive is not accepted nowhere in my country (in Hungary). The Bitcoin (BTC) is accepted in a few places, but that is risky to use to buy and sell everyday things because of its volatile price. The Hive Dollar (HBD) is not that volatile (usually it is around $1 USD). The merchants/sellers and buyers need a different approach/viewpoint for both of these cryptocurrencies.
Volatility is a drawback for using Bitcoin (and HIVE) as a medium of exchange.
Those coins can bounce around too much.
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Yes. In addition to other things, this is why Steam removed Bitcoin (BTC) as a payment method. It would be good, if they would accept stablecoins. Those could properly work.