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RE: You can use Steem to pay for pretty much anything worldwide - but nobody does!
I see no reason to buy STEEM. I am not a writer and can't afford much money to invest into volatile tokens in early stage when price is not determined yet. I have no experience with bitwala yet, but if it can act as a wallet, I suggest to allow Steem Dollars and proportionally distribute interest rate to holders.
We're not acting as a wallet, but sort of as a gateway to offer an easy solution to cash out on your Steem.