Nice article.
As long as people not understand "how the money is coming" it will be a challenge to increase the amount of registered (adult) users.
But there a lot of FB users who can not write a Word document, so my opinion is that Steemit has a long way to improve the privacy if ever to compare with Instagram / FB. You can read every article here and see all the wallets without any login at all.
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Good point @jetben2016!
It's like a double edged sword isn't it? In one way it's great that it is transparent so anyone can pick up possible monkey business :) - But there is no real sence of privacy for those who want a platform for them and their closest friends.