For me it is better the question is being put in this way cause some of us can barely understand the question.

The truth is that everyone which pob can be a legal tender that can be widely acceptable as a means of exchange. Meaning you dont have to worry or think of converting to hive before using in an open market.

There are lot of people who have pob either through curation reward or purchase through investment who may not have physical cash but have pob and wish they can send it to producer or seller of local commodities just to buy goods.