I never get when people talk about crypto going to zero. Yeah, some shit coin or some dev team without enough resources could fail and the coin could go to zero...but Steem is already here. There could be issues...but even in the worst case, if Steemit runs out of money, we can actually continue to exist without them. Steem won't go to zero.
I suppose technically Bitcoin might go to zero...but what are the fucking chances? I think they're damn near close to zero. Even in catastrophic circumstances, it will only go down extremely, never to zero.
It is useful. It a bit more than some, but cheaper than using a bank to transfer funds.