Thanks 
It answers many questions I have had, though I am still unsure how it is going to scale, but I am sure you guys are thinking ahead on it. My biggest concern prior was that this was just another project with good intentions getting leeched.
Going back years we (old timers) have talked about ways to use HBD more effectively, and this might be a good step in that direction, at least as an experiment and an awareness that it is possible.
I am interested in the proximity pay card thing too, as I reckon the might be a good way for the businesses to offer "loyalty programs" to customers, where for instance, the kickback is 5% if they spend above x, 10% if they spend y, and 15% for z amount in a month at the same store, or group of stores. This could also encourage the formation of local co-ops that prefer to trade in HBD. And, it could be accompanied with an app for the consumer that tracks all their purchase records and account info, similar to what the supermarket chains do.
As Dan said about grassroots, I get that this is going to also be a little trial and error. At the moment, the majority of transactions seem to be spread among developing nations - does it scale with bigger spends?
Gives me some things to think about on this and I will talk to some of the others I know with questions also, and link them the video. I will also recommend not to DV the SpendHBD posts, but as you know, each user does as they do with their stake.
What I think would help the cause a bit is if the "review" was more of an actual review, at least sometimes. I think I saw Starkerz using 
I really do appreciate you both taking the time to explain this in idiot terms, as that is what I need to understand!
RE: How Distriator Works and Why it was Built