I agree with you about the FOMO people. they flock to Centralized services like CoinBase. When they get burned by the long time it takes to settle they cry. I built a Blockchain Accelerator for the Bitcoin ledger. When you use the Bitcoin Core Wallet on your computer it can take weeks to sync. A lot of times it is corrupt and does not work.

People then go to CoinBase or CoinDesk because they are afraid they will miss profits. I built a program that feeds the blocks to your wallet directly from an IBM Sphere server. Meaning you get all the blocks delivered from a private fiber channel. Instead of taking weeks it only takes a few hours.

I felt compelled to help people out. Once you have the decentralized wallet in sync you do not need the online wallets. Thus saving you from the $2.99 fee every time you do something in your wallet.

We created mini trading pools in private using our Bitcoin Core Wallets. There are only a few hundred of us. We have freedom of banks and third party wallets.

As for STEEM and STEEMIT I love it! I applied for the writers account way back when it was BETA. It took about a year to get accepted. Well worth the wait. I am looking forward to the introduction of video to Steemit. That will take a huge chunk out of YouTube.