Full Hive economy might be impossible to achieve in an environment of multiple network and nation states cooexisting, there will always be somebody outside demanding exchanging currency to accept payment. Only Hive beiny layer 1 for all economical activity all there (technically seems to be possible but IMO very unlikely) could guarantee such model. This is an emergent phenomenon coming from huge network effect.
Monetary independence is about something else. It's about group of people being in touch with their currency and its workings. Having direct stake and interest in this currency. Having opt-in, opt-out possibility of ecosystem and changing it to another one. Hive direct influence by voting with stake to vote for witnessess who also have a stake in system which incentives them for making decisions in favor of the best interest of currency and community.
In legacy financial system these incentives are decoupled and fiat currency doesn't actually belong to people using it. Non-electable institutions can with one decision change any parameter and ibfluence life of milliones without any responsibility. Having monetary independence is having ability to opt-out from this pathology.