In every respect you are correct regarding the superiority of crypto, and particularly Steem, to legacy payment mechanisms. This doesn't matter.

The reason it doesn't matter is that legacy systems control the market. In order to participate in the market you must convert to fiat, because governments must and will demand control of markets. Payment systems are endemic to extant governments and therefore crypto cannot compete except as revolt against government.

It is for this reason that decentralization being advanced in all technology is critical to effect for any one to succeed. It is the concatenation of all fields that are advancing decentralized technology that effects inevitable change from oppressive centralized mechanisms - of all forms, from agriculture, to manufacturing, to government itself - to free individually owned means.

Cryptocurrency is not an island, but only exists in a social framework. It alone cannot succeed, but must be enabled by cross-pollination in the various fields of human endeavor. Attempts to conform cryptocurrency are undertaken daily, and regulatory impositions alien to it's structure grafted on, or proposals to derive and pay taxes on, or with it. These gain little traction and eventually fail because the overall structure of centralized industry cannot permit decentralization to impact any part of it without impacting all of it.

Payments aren't a closed system. Big Agra, Big Pharma, Big Government - all legacy centralized systems - depend on payments. Enabling decentralized control of money and payments threatens each and every other aspect of legacy industrial mechanisms, and attempts to conceal crypto by disguising it with KYC regs, or accepting tax payments in crypto, fail to actually change it's essential nature.

Each of the advances nascent across fields decentralizing the technology individually are better than the centralized legacy mechanisms. None of them can compete, because they are facing individually the entire mechanism of centralization. All of them concatenated however, cannot fail to eventually render centralization obsolete. This is not going to be a bloodless revolution, however.

We aren't the only observers of this fact, and those whose centralized hoards of wealth and power are threatened with obsolescence are fighting the evolution in technology that will make them just another pleb if they fail to preserve centralization. We see the political corruption of science itself through the funding mechanisms that exclude researchers that try to publish papers that don't follow the political narrative essential to centralization. We see the application of regulatory political authority to payment processing that excludes cryptocurrency from being used as money by governments dependent on fiat being money. We see the intrusion of zoning regulations to criminalize homelessness, or DIY housing that challenges rent seeking. I could go on and on, from Big Agra suppressing raw milk markets, to Big Pharma criminalizing CBD and THC, but it isn't necessary, because an objective consideration of the subject provides proofs across every industry potentially impacted by decentralization.

The superiority of decentralization to individuals is endemic, and ultimately destructive of centralization in every form. The nature of centralization limits it's application to top down mechanisms, however, and decentralization is effected from the bottom up. As full spectrum decentralization is effected, the specific weapons applied to stop the individual aspects of it can only target those particular aspects, and this is the proof of the inability of control to be nominal to prevent actual independence.

Decentralization is natural. It is messy, redundant, and robust. Each of it's aspects independently supports all the others. Centralization is neat, efficient, and fragile. Each of it's aspects is captive to specific entities and needs to be decreased in order to defend any others. It resists that essentially decentralizing expenditure natively, and cannot compete.

Eventually, the only thing that can prevent decentralization from creating true individual freedom and increased prosperity for all is the extinction of humanity itself. Ever more dire opposition from profiteers hoarding centralized pools of capital and power can delay it, or even reset the clock to zero, but physics determines what technology is possible, not greed.

If you want cryptocurrency to assume it's rightful place as the best payment processing mechanism despite opposition to legacy profiteers, then it is necessary to augment it with it's natural support mechanisms - all the other decentralized technologies that are being developed today. It is that united front that cannot be defeated by the spastic attempts of cabalists each seeking to defend their heap of centralized resources.

Thanks!