It may be solvable. Consider that you have a Steem account and we can get banks to recognize this in some official way to act as collateral for loans. Suddenly your Steem Dollars can become USD in a bank account 1:1, and you don't have to sell any Steem or Steem Dollars so you don't generate a taxable event. Steem Dollars actually could gain utility and value without having to be spent. This would be tax efficient because Steem Dollars would be treated as "property" and not as "money".
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