Glad to see you're so optimistic about Steem! As human beings, we're often more risk averse because we make decisions to not lose instead of winning big. If you're interested in the new wave of privacy coins, I highly recommend checking out Zcoin (not Zcash). It differs from Zcash in that you can actually see the amounts (which prevents millions of Zcash just being created out of thin air and nobody knowing about it). Also, the dev team is great and they are just about to release masternodes which in other coins have historically made the price shoot to the moon. Cheers!