Yeah, it's a good question. I can definitely see the potential for SBD to be as accepted as credit cards and other forms of "normal" payment methods in the not so distant future. For now though, in order for Steemit to gain mass adaptation, I think we will need some 'easy' way to cash out for the masses.
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No doubt as many are here trying to earn a living (or so it seems)... and I applaud your thought process. We never know what the future brings and having an insurance like this is just another step.