It's great in theory, but in reality that only suits you. The farmer then needs to convince his suppliers to accept HBD or the college he wants to send his kid to.. to accept HBD... and so on ...
Which is why NO CRYPTO has become a standardized payment/currency system. The old way and the guardians of those payment systems don't see it wise to allow such a thing. For self preservation and dominance mainly.
Niches is the only stepping stone for these speculative currencies. In time humans then determine their viability.
Clearly, you do not understand what a localized economy is. I live in a small town / village where trade amongst local businesses is valued and promoted.
The locals at the farmers market grow their own produce and....believe it or not....they eat food. I'm not talking about a sophisticated supply chain or a complex economy here. Many trade, or even barter, amongst themselves.
From little things, big things grow.
I'm not sure why you are even here on HIVE if you have this view. Why are you wasting your time? Or wasting mine for that matter?