Don't be so sure you've never experienced a network fork. Go to golos.io and you can login with your account if you're a Steemit old timer like myself. You can also get BCC if you have any bitcoin from before August. That's two.
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Nope and nope... I'm relatively new to steem (not quite 3 months) and I have no Bitcoins (nor any of the other cryptocurrencies). Steem is my first experience with crypto's.