Light accounts also good. I look from the perspective of a dapp owner. Imagine you have a banger app, have a lot of hive ( but not enough) and now the price of hive is high ( whatever that means). So the 3 Hiver per account is pretty expensive on a scale at a higher price since the Dapp now pays twice, the marketing effort to onboard + the chain fee.
That makes Hive not competitive for a lot of dapps. Thats IMO a real problem since most people research before they build.
And anon HBD is more to make it like cash. A native algo anon stablecoin by default or not would be a banger product.