I suppose I should read the PAL whitepaper - I've just been reading other posts about it. In the simplest case it seems like another way of earning just a bit more for your post by only adding a tag to it. I think I like to keep things simple too but I end up buying lots of different crypto.
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Being in Canada, they make it a lot harder for us. In Vancouver, I have to go to an ATM and then go through and exchange before I can get to my steem wallet.