They have this zypto proposal atm.

They say, it is good to pay for it, because of the direct Hive purchase option + crypto payment. (zypto has no userbase, and very-very expensive, doesn't look like anybody will use it) What would be possible to reach without paying for it, by a well-known exchange, wallet or even crypto-payment gateway what are operating with much competitive fees, and have huge userbase.

HBD not listed anywhere, not available in any exchanges, wallets' EARN section. Not even the non-regulated, no kyc exchanges, wallets have it.

So there must be a general, core legal issue, danger with Hive, if not the HBD is that, then what else is that exactly?

I supposed, the LUNA and their 'stablecoin' kinda potential effect is that.