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NO!

If I want a stablecoin, I need to be able to convert it to USD for free very quickly. It must show up at my bank as cash in zero days to 3 days.

Right now in the US, it is not possible. It is not possible to buy/sell hive from US. We are trying to change that.

To get out of HBD, back to hive, without liquidity for hbd:

7 days
3 to withdraw from savings
3.5 to convert from hbd to hive

It is better than a term deposit. I tend to plan my finances months in advance (and have no intent of liquidating HBD or HIVE anytime soon) - but the current timeframes are not an inconvenience to me.

Is a service like simple swap able to go HIVE -> BTC -> USD ?

What is is that you can't buy with USD that requires the conversion? :) Perhaps we should be able to buy things direct with HIVE! :)

I can't buy hive for free using cash............that is the problem in the USA!

Not the only one, as previously discussed in another thread!

There are only a few options in AU to obtain HIVE, as well. Fees everywhere!