You bring up a plethora of relative points. If/when Steem is able to be exchanged directly for fiat will be the determining factor in allowing Steem to reach it's full potential of every day usefulness. If/when this would occur you would eventually see Steem debit cards like the Bitpay card for BTC. This factor I feel is the most important factor along with Steem continuing to build it's user base. Great comment.