I spoke for several more minutes without any worthy explanation. (If you have been able to do this satisfactorily to your spouse, significant other, please explain in the comments.)
I love your CD's, Checking, and Savings analogy! I'm going to have to reference that.
The only thing that seems to breakthrough so far for me is that steemit is a community for consuming information like pinterest (my spouse's favorite) , except for it does not have one centralized individual or group that profits from its success. The users of the site profit from their really good "pins".
My spouse then promptly told me that if she could get paid for her pins on pinterest, she would be on it 24/7. As if she is not already :)
Actually, most of my posts are reformatted and updated blog posts from my own site. She could do something similar on here.