I had the same problem at first, and I'm an experienced computer guy. The Steemit editor has limitations and hopefully one day we will have a sophisticated submission system. You'll get used to it with a little practice. It is just the way it is in modern writing. In the old days it was spilling the inkwell on your clothes and then it was used-up typewriter ribbons, messy carbon paper and smelly mimeograph fluid. You get used to the process.
Great analogies! Steem on!
Oh, and one more thing. You can't just switch back and forth between Editor and Markdown when you do "Submit a Story." It can goof things up. Use one or the other to be safe. I learned that the hard way after hours of suffering. Why didn't I chose an easier career like undertaker or goat herder?