it is not 'issued' by a specific user...It is veeery different than tether in this sense.

Thank you for this helpful input. I don't usually equate crypto with collateral benefits; but, this certainly raises an awareness, and level of confidence. Worth noting, the article mentioned similar warnings about the developer of Tether doing a huge money "grab".

Again, many thanks! Thus far, I haven't withdrawn any earnings for tangible cash. I have this pseudo 'FUD' that when it comes time to exchange the crypto for fiat, all assets will be down for maintenance; and no bank transactions will be allowed. Had I not had this maintenance experience with STEEM and OpenLedger for weeks on end; I might not be so 'nervous'. Now, of course, this is clearly unfounded, as people are not shy about being duped. The discussions would be abundant.

Again, many thanks!

Peace.