Holy Shit this is right out of my own handbook. I wrote a blog similar to it once, a while back. I was even on my way to writing my own Steemit post which touches on this.
If/When I do, I'll refer you to it, and you'll see how much my own thoughts on the matter freakishly mirror your own. :) Thanks, man! The world needs this kind of thinking.
WHEN you do. Link me! ;)