Venture Capitalist Fred Wilson said Steem token system was "too complicated" for users

I think [Steem] have made things a bit too complicated with their tokens and incentives.

http://avc.com/2017/01/online-publishing-should-look-at-steem-not-spotify-for-inspiration/

Ideally users should be able to use Steemit and associated services without even knowing there is a cryptocurrency involved. A step in the right direction might be to enable a 'withdraw to bank account' button right in the wallet. I think this is something Steemit could easily do right now for Euro banks at least by working with @teambitwala.

Ultimately a crypto system will always be complex under the hood, that's unavoidable. But it would be great if we could reduce the complexity that users have to deal with to make use of the system.