That's cool. Its a good idea to build up a bank here in Steem....but ultimately if you ever want to convert Steem to actual cash, then the only way is to trade for bitcoins and then sell bitcoins for Rands on ice3x.com. I needed some urgent cash recently so I had to sell my Steem savings....but it is better if you hang on to them since Steem is likely to increase in value. Good luck with everything on Steem .