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RE: Steem dollars is designed to be a comfort zone for those who need USD. 10% annual interest is toilet paper money
It was already a bit complex for me in the first days, and i'm a programmer. But it's mainly because they have no FAQ (yeah i know, it's a beta) and i'm too lazy too read 50 pages of whitepaper haha. I ended up having to read the whitepaper a little here and there though, but i'm still too lazy to read every sentence for 50 pages :)