Welcome!
As long as you buy some HIVE on an exchange with fiat currency, you can send that HIVE (or other tokens) to
https://hive-engine.com/?p=balances&a=qsett
or
https://tribaldex.com/wallet/
hive-engine and tribaldex are basically the same thing, the main difference is tribaldex has liquidity pools for swapping tokens and hive-engine is a market exchange, both of these websites you log into with your HIVE account using HIVE Keychain and buy/sell whatever tokens you want on there for HIVE.
It seems complex at first but overall the HIVE ecosystem is actually much simpler to use than most other blockchains. Good Luck! Have some !PIZZA
RE: dCity.io & Hive - first impressions from a total newbie!