Hello @artgirl! Thanks for dropping by! I think there are a lot of kind hearted people here in Hive.
There is no way to directly convert Hive to PHP. Check this guide: How and When to Withdraw your Hive Earnings: A Newbie Guide. Hope this helps!
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Yes exactly, no way right now. Haha. That' s why I sent a message to Binance abt it. We can send feedback and request product details to change if a lot of people request it. As for the USDT exchange, yeah already found out the reason before today. Thanks for the link anyway as it is more detailed in the explanation of why use a stable coin.