Have you ever exchanged your hive with your friend? That is for the benefit of the community. Peer to peer Hive exchange will need no bank as the middleman. However, the exchange is only a small amount of money.
My experience exchanging Hive with IDR helps me get quick cash from my HBD. My friend @giono gave me some IDR and I sent him HBD. It is simple. Can you imagine if in your community there were 100 Hive users. You can get cash without a bank or you can buy something with your HBD.
Building an offline community is very important to bring Hive more acceptance. If Hive can be widely used, the price of Hive will not be influenced too much by bitcoin. The bitcoin price currently influences all crypto assets.In that case, it is not good in my opinion.
Creating a strong community is the key to maintaining the value of Hive in the future. Hive is a social media blog. When the blogging platform comes to real life, you can shop, pay, and buy something with Hive or HBD. Peer to peer transactions are more comfortable than using banks as the middleman.
My experience is that converting money from bank accounts takes time. If there are some problems with the bank accounts, the transaction may be cancelled or postponed. On the other hand, we need quick cash. Peer-to-peer exchange will help in this situation.