All I have is STEEM, so as long as it's secure (which I've heard it's not the most secure compared to others, but I have no idea why), then I'm okay. Even as I write this, I'm getting another 504 Gateway timeout error to my wallet. :)
The third part of your post, regarding the 'takers' from the reward pool. On a system with little governance and rules, it's actually amazing to see just how many ways there are to interpret non-existent rules. I wish I knew what the answer was, aside from putting it into code, but then the golden opportunity to be our own master would be lost.
I came here to earn rewards for my writing. I found out that I should also comment and curate, not only to earn rewards on that, too, but to help foster and build community. Make genuine connections. That meant I signed up for more than I bargained for, and that's before we throw in any of the number of dramas playing out.
I'm still here, and I'm still posting, commenting and curating, and entering community discussions when I feel competent to do so. I readily admit, I don't have any idea about the minutiae or details required to make things better. I just know what I can affect some small amount of change through sticking to my own principles and acting accordingly.
Everyone else does that, I think things start to shake out for the better.