G'day Mate.
Great post and I'm right there with you.
One of your statements should resonate with all of us! ...
"But remember, you can’t have your Steem and spend it, too" - absolutely correct, there's no quick out clause!
It's one or the other - once you make the commitment, you're in for long term" (or at least 13 weeks).
And by the way, There's nobody that can say it better than a "Grumpy Anarcho-Capitalist". (which could be either you or me????)

Last point - That image with the hand and gold coins should really be "Steemit" coins.
https://steemit.com/steemsilvergold/@zeartul/limited-edition-2017-steemit-community-1-oz-silver-rounds-arrived
I love mine!!