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I think, and would you agree? that those accounts with many millions of dollars worth of steem should be doing something more with it. For the platform to thrive, a broader swath of the userbase should have greater influence. Perhaps, as individuals, they could/should be spending some of that steem to fund creative projects: steem-funded movies, books, etc. There are small communities doing that, but they're such relatively small accounts. If they had more funding to build bigger, splashier projects, just think of what could be!