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Hi there, those are great observations you have. I use the "trade token" on Ecency to swap (immediately without fees) from HBD to Hive. It is very easy. Also, you do not necessarily need to have created your account on Ecency to be able to use it. I started out with PeakD, however, given the internet limitations and all, I need an app I can go to. Just one click and I'm in. Ecency solved that problem. Regarding the interface, Ecency feels a lot like social media to me. Yes, PeakD has a great one, no denying that.
We do have some regulations put in place, but like everyone else, we find ways to bypass them. In Nigeria, I can swap from HBD to hive on Ecency (zero charge) and then send my Hive to Binance/Bitget and use the P2P feature for conversion to fiat. Of course, this is where the fees come in. Is that what you mean as well? P2P does not charge that much from what I learned though. And yes, we also wait until it is a big amount but for someone like me who always needs pocket change (lmao), I also send the change. P2P! That can also be done here on Hive with people looking to buy HBD or HIVE and pay directly to your account in fiat. There are a lot of Nigerians on the look out. I don't know if you have people like that from Germany on Hive.