I would rather see this method used where trust is minimized and all funds are immediately returned to the DHF. Also, potato IIRC does not address overvaluation, which is actually the bigger challenge IMO. Conversions for undervaluation could and would (and have been in the past) done by individuals without any organized effort, since there is a direct profit motive when you can buy HBD for less than a dollar and convert into a dollar worth of a liquid asset. But again it is better that any profits be returned to the DHF.