Of course you are absolutely correct, however, I don't have an account with any exchange, so I have no way to get my Steem nor SBD out at this time. By the time I set up an account, it probably will have changed to make it no longer worthwhile. I'm just an old fuddy duddy that doesn't want to get an external account so I miss out on all the great opportunities. I'm stuck within Steemit and am holding out for the long-term. I'm waiting for the day I can just buy stuff and pay my bills directly with Steem from my Happyme account! If I should die first, then my children can worry about how to get my Steem out.