I'd go for the savings/bond accounts to have enough rc's to offer a token amount of transactions a month.
Seems that it would need a ui that makes that a one stop shop, though.
Enter user name, get owner key, send your whatever tokens to xxx and recieve xxx in hbd savings/bond account with x transactions per month.
See offer of benefits of full accounts.
As long as they get the owner key, they can upgrade later.

I'm not happy with how the hive to hbd conversion works, either.
I understand why a 5% fee is required, but don't like it much.

An amm would make sense, but it doesn't create more hbd, just swaps them.
We could use that, too.
With a .1%, or smaller, fee, it could even pay for itself by first reimbursing the coder that made it with his bounty and then feeding the hp holders once that bill is paid.

I'm going to be really disappointed if the bonds don't come with this hardfork.
We've had enough kneecappening, iyam.
Too much longer and folks will start calling for ending hbd entirely for being 'too confusing'.
Or, ending rewards on the base layer.
Smdh.