for steem you don't have to download the blockchain you can rely on third party API servers to provide you with a connection to the blockchain and push your signed transaction for Steem sending into the chain.
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You are ignoring the fact that there is no exchange that trades SBD/Steem to Euro directly.
The problem: Steem - exchange - BTC - exchange - Dollar - exchange - bank - Dollar - bankexch. - Euro.
Who is getting paid here?
My solution: Steem - exchange - BTC hardware wallet.
Now I have to worry about illegal smut ending up in Bitcoin Core 15.1? How would I know??
So where can I buy EOS with SBD/Steem?? Greetings!