What you are describing is opportunity cost. For example, you would have done better buying Tesla stock at the beginning of the year with USD as opposed to paying your electric bill. Of course, then you would be sitting in the dark. Nevertheless, the fact that an asset goes up means there is a "loss" to not being in it.

In this instance, DCrops is taking payment in Tesla stock as opposed to USD. By using HIVE as the token, you are potentially missing out on an opportunity. Using HBD does not provide that directly since it is pegged (ish). Of course, you could convert your HBD to HIVE and say it is the same thing. Hence the analogy to Tesla and USD.

The end game should be apps should start accepting payment in HBD and that is what all transactions of that nature on Hive should be based. If we do not start using it ourselves, who will?