BlockPay is a project about to reach the public that uses terminal and phone app to allow merchands to accept cryptocurrencies. They stated they will have steem as one of them.
They'll have two hundreds merchands using their terminal for the launch. Then it will expand. If you are lucky, one of them will be close to where you live. If not, you can convice your local coffe shop to accept steem. Blockpay have a refferal program to rewards people helping.
yes what you have mentioned is absolutely right buddy