Great questions! You and I have the same type of thoughts... right now, STEEM is owned and controlled by a small minority. Supposedly that will dissipate as STEEM grows, but the trust factor is definitely an important one! https://steemit.com/steem/@chuckypita/steemit-vs-tsu-co-does-steem-have-big-enough-gusto-to-maintain-5-years-from-now