Thanks for this advice @fyrstikken. I have found transferring steem dollars to us dollars to be difficult at first, but now not at all difficult.

The only problem I have is that when people deposit incorrectly to the wrong wallet there is no way to get that money. Imagine typing in a memo address on a phone and being one letter off and sending $10,000 to a wrong wallet. When you have hundreds of thousands of people doing transactions every day, this will happen frequently. The person that comes up with a way to fix this will become a multimillionaire (if it is not done already, but I know I accidentally sent steem dollars to my steem wallet on bittrex. Only $20 but they were able to rectify it.) But had it gone to another person, it would be like dropping a $20 bill off a cliff on a windy day and there is no chance that money is coming back to me.