Have you looked into wirex? A friend of mine uses it frequently and the cool thing they have nowadays is that you can keep your crypto in crypto and when you do purchase with their card in regular stores they'll let just deduce a fiat amount of your crypto holdings. So in a way people are using crypto for payment there but I get your point as well. I'd say HBD is more of a currency than Hive but Hive is so much more than that.