Hey, @steved, thanks for your opinion! But it's always your choice to wait a long for verification or payment processing, or just buy STEEM/BTC/etc instantly with your VISA/Mastercard on our service http://Changelly.com. Unfortunately, mass adaptation is inhibited by government regulators, not by exchanges. Our goal is to simplify buying process for you. Extra margin just covered our risks of chargebacks, fraud payments, etc...
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Thank you for your explanation!