well, the risk with steem is that you might lose time if you did not invest any fiat
most people lose a lot of time in front of the TV watching reruns from friends. So in that case the time in steem would be spent better in any case.
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Yes, when you buy STEEM you basically buy the time you would normally spend blogging (and earning STEEM). But it's a shortcut because you don't build your account (followers, rep, relationships).
I have done a combination of the two (blogging and investing).
@exyle I think this is the way too. I wish it was easier to do for people relatively new to the crypto space. Nonetheless, I am going to be doing this as well. Great idea.