Hi @prime-cleric I think this is really a big obstacle the platform has to get over it in order to really take to next level.
You have platforms like Salt that tries solve the fiat problem for people that are very wealthy in crypto. they provide loans that are backed crypto as collateral. and you pay you interest with the salt coin.
I can see the steem platform provide a service like that with a hard fork or completely new blockchain, but integrated somehow to secure its success.