I can definitely see the benefit in a basic mode where casual users could just set up their account with PayPal and it autonomously parcels out the Steem in a recommended fashion sending leftover monetary reward to the user with no further steps taken by the user. If the user happens to want to manipulate how the rewards are allocated or deliberately dive into the sophisticated mechanisms of this technology, he can choose Advanced option to meet his needs. As for me, I look forward to the capability to convert currency (Btc & Usd) without the limited 3rd parties making it overly complicated.