I would keep buying. I don't even have enough to even waste time thinking about putting anything into steemit savings account unless I wanted to lock it up in case a hacker grabed my account. it would give me a little bit of time (3 days) to hopefully recover it before it all vanished.
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but what if they change your password? that's my worry
That's why you should never use your password/owner-key. Always use your posting, active or memo-key.