Paying with STEEM is a very good point indeed. A few years ago people here were paying at petrol stations with Bitcoin. Now they regret it of course as its value went up by lots. In other places, e.g. Asia, etc. people just go to an ATM and withdraw crypto as cash. This is currently not possible over here as such transactions are hard and time consuming to track and apparently the funds are mostly used to purchase illegal goods like drugs. So decisions, decisions when it comes to what to do with our spare STEEM.