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RE: How I turn my STEEM into spendable cash (USA)
You pay $10 (btc) for the card and the rest is very much free. Outside the poloinex withdraw fee there wasn't any fees in the transaction chain. Instead of trusting Provident Metals, you can trust someone else, and again you can keep your BTC in the wallet or use the coinbase wallet, or transfer back and forth as you see fit, works online and ATMS, so kinda beats gold/silver.
I would not trust ANY online wallet. They have a long history of disappearing. I would really advise people to have a wallet on their computer. If you don't want to download the entire blockchain there is the Electrum wallet. In particular Coinbase has a bad reputation. Do a search on them and you will see.