At this stage i'd rather hold on to most of my crypto currency's, seeing it more as a long term investment than a way to pay for my daily needs. At least for now,.... but things in crypto land change fast :)
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I agree that we want to hold and keep as much as we can get our hands on, but to get global adoption STEEM needs to be easier to use and access to compete with Bitcoin.
I feel you. Cards are luxeries. We are investors are for the long term... Pension!
If you only keep cryptos, you are just making it useless.. So destroying the value..