Haha! The TLDR version of it is what I stated. Think of centralized as you're leaving your money in a bank, as opposed to decentralized where you're leaving your money in a piggy bank. Wait, that's not a great example, but it brings home the point about ownership. If the bank is closed, you won't have access to your money, right? But, you still have access to your piggy bank anytime. That is, as long as you have the private key to it.
Steemit itself is decentralized, spread across different servers. So, even if some servers are down, Steemit would still function because there are different servers located elsewhere in the world still functioning.
You could buy BTC directly with your USD though, so if you want to get in now, that's the only option. 1 BTC is too much now. Heck, I'm only trading 0.0X BTC at this point haha!
yeah that all makes sense. That .0X you own might blossom quite handsomely though....
Sadly, it doesn't last that long because once I had it I immediately bought different altcoins with it >.< One of my biggest regret when BTC was still below 2k
ahhh :( that is unfortunate, but you can't really blame yourself, you don't know the future!