If we add small conversion fees, we should remove the HIVE->HBD fee and lower the conversion time.
I also like the idea of distributing account creation fees to HP holders. But this should be a witness setting, just like the amount paid for a new account. There may be times when it's imperative to control inflation, and then witnesses can intervene and turn these fees back to null.
On the fees to internal market, that might actually hurt HBD stabilizer. I believe it also uses the internal market. Not 100% sure about this.
Hmm, I don't know what to say about your idea about DHF. That can be done directly by distributing less inflation to DHF and more to HP interest. Or a proposal. But not sure I'd try the former one, because then discussions about how high author and curation rewards start as well.
I'm ok with existing instant PDs for a fee of 10% or higher, which goes to existing HP holders.
At first I thought a fee of 5% for getting HBD instantly out was excessive for a stable coin. But HBD is only stable-ish, so maybe it makes sense. And the fee should be distributed to existing HBD holders in the savings or again to HP holders?
Of course these are ideas and all of them have serious implications in the economy. So more people should offer feedback before they are even considered.