I'll go back to something I suggested "way back when" and have been suggesting ever since: We need a peer-to-peer marketplace (some combination of Craigslist/eBay/Poshmark etc.) where people around the world can trade goods and services with each other without the need to exit to fiat.

We keep talking about "merchants need to accept Hive" but that's really for down the road. First we have to create the "example use case" in which we have an actual crypto-based economic system, where I can sell a T-shirt, get paid in Hive/HBD, then turn around and buy vegetable seeds from a homesteader.

The relevance of HBD as a stablecoin is that merchants are apprehensive about putting a t-shirt on sale for 20 Hive, when that can mean 10€ today. but might mean 20€ OR 5€ next week. You can't do business like that! But with a stablecoin, you can do business.

The entire notion of crypto currencies was hijacked a long time ago by the "when Lambo?" high risk investor people; I think it is high time we got back to the idea of cryptos as a payment system that serves as an alternative to conventional finance.