Well the is investing. At least for now, i'm allowed to do this at my own whim. Plus i don't have to use coinbase...there's an excellent website that allows you to store BTC, which I can easily convert Steem into, and once you get $10 you can buy a card. the problem is the bank account, and anyone 12 and older can open a bank account-as long as your parent is on there with you as well. Nevertheless, thanks for the compliment, and for the encouragement as well.