One of the reasons I'm interested in Steem is because of the ability for creators to earn crypto in a legitimate way.
Creators who are earning Steem/SBD need liquidity in crypto to pay their bills in USD/EUR/etc - and at this point in time that obviously means middle men involved to run fiat exchanges.
I don't necessarily see them as a bad thing right now, but obviously a world where someone can earn, spend and completely live off of crypto is ideal.
A Spendable STEEM Credit Card would be the absolute Utopia, don't you think? :D