My understanding of DBS is that its goals only include transfer of value to another party. OK fine, I can live with that. It requires MORE book entry not less, than isolated Quickbooks-style commerce. It intrinsically requires either a shared transaction host, or complex distributed transactions between very intelligent peers. And big companies conspire at this moment to force their version fof the future upon us.
Money is just a book entry deal.
Settlement can be accomplished on any other intercompany ledger besides a bank. I'm not a lawyer but my belief is that it will never be illegal for individuals to have accounts payable or receivable between each other, or to buy or sell or net those obligations with settlement intermediaries.