Great stuff. I recently wrote a post summarizing my understanding of HBD (since I'm very new to this), so your post is a great change of perspective into the more philosophical/marketing aspects of HBD. Maybe the name isn't ideal for the intended purpose, but that's a different story.

One thing I'm not sure of, however, is if creating the notion of "1 HBD equals 1 USD" in offline retail transactions is the most efficient way of reaching widespread adoption, but it's definitely not going to hurt