Outstanding post, with an excellent topic. As to why you should dream but worry a bit. I started mining years ago. Umm...what happened was the first two, well some of the exchanges went broke. One was Cryptsy and I forget the name of the other but each time, they had all my mined coins.
With the debit card, I have thought that Steemit should open up the ability to sell advertising to major advertisers, and like a curation guild, the advertising guild would be paid from the advertising as well as the content creators.
I would like you to think about it along with your card because Steemit needs to be, well it is a valuable resource