Thank you for the response.
I totally relate to the point of view, and it's what most of the Hive users motivate us to become: cypherpunk. However, until the finance world is intersected and not isolated, I still feel either auto conversion during payment or fiat can be a great use case for traction with the APP itself.
I will dissect what exists in the card world that I use. First, it's hard to make any card eligible in any country.
Selling points:
The interest on the cash balance, which comes around 5-6%.
Realistically, in the finance world, it's hard to ascertain. a cash balance of 5-6%.
Second, they offer cash-back rewards in fiat or their native currency.
Third, people use fiat currency to DCA on crypto investments.
If Hive Debit is used with 14% cash balance, it's an easy go for people to bring on investments.
Slowly, as money flows and yields begin to rise, we will see high accumulations in HBD.
It's a matter of time that would create interest pressure on HBD, or on Hive, but it serves as good traction.