there's no reason for me to use HIVE for transactions in life with other systems like PayPal.

This is honestly an issue across the board.
Why use a DEX when the centralized exchange is a requirement for fiat onramp and the fees on that exchange are cheaper? But also we see the environment slowly changing in that crypto starts making more and more sense to use, especially with regulators moving in and swinging their dicks around.

Once again it all comes down to an infrastructure and utility issue.
Many are tired of hearing this but: we're still very early.