It's great in theory, but in reality that only suits you. The farmer then needs to convince his suppliers to accept HBD or the college he wants to send his kid to.. to accept HBD... and so on ...

Which is why NO CRYPTO has become a standardized payment/currency system. The old way and the guardians of those payment systems don't see it wise to allow such a thing. For self preservation and dominance mainly.

Niches is the only stepping stone for these speculative currencies. In time humans then determine their viability.