in talking to your last 2 points, i think those are 2 things that make STEEM in particular extremely unique vs their peers (with the exception of EOS, which of course was forked, in the open source software sense, from STEEM basically)

then there's the need for a stablecoin... which silicon valley is pouring money into at the moment... all the more reason for SBD to trade like its actually USD... think of the security and tax implications too... security: you could trade directly from your account, no need for 3rd party exchange and then the tax implications could be huge... no need to go steem to crypto to fiat, just park it in SBD if you want to do risk off trade