I tried to edit this comment a couple of times, after I read the whole post again. I don't know why I can't edit it, however, I will write here what I wanted to add:
I made a mistake in the part that you were talking about Hive Dollar, while I thought you were trying to protect the centralized stablecoins Tether and USDC. For the part you explained this was about the Hive Backed Dollar (HBD) you find me in absolute agreement.
I also try to research DAI and feel that any decentralized stablecoin may be able to work better than the fiat currency itself.
Totally agree on CBDCs too.