Currently I am not withdrawing STEEM out to FIAT, but at some point I will. I have often wondered about an easier way besides the multi-step process of exchanges and account holders like coinbase to do it.

It's complicated enough for people who know how to do it, it must be a daunting task to newcomers. Something that needs to be looked into since they are getting geared up for massive on-boarding of new accounts after HF20.