If I had explained it as a messaging service helping users exchange the money...

If you had done that, nobody would have cared. But you specifically mentioned a STEEM-USD “exchange” where STEEM could be bought and sold with PayPal or credit cards. And you did this while hyping the idea by claiming that you would start hiring developers, by claiming that there would be millions of dollars in volume per day, and then asking for witness votes to fund everything - as if this was going to be some huge community benefit, all organized by you.

Your failure was that you were oblivious to laws/regulations and your claim now that there will be no actual exchange tells me that you’re just bullshitting - as usual - in order to get more witness votes and more post rewards. If your grand idea is to simply create a way for individuals to trade with each other, then there are plenty of options for this already. If you’re encouraging individuals to onboard and off-board crypto buyers and sellers with credit cards and PayPal, then you’re just being downright reckless.

In my opinion, this is just another reason on a very long list of good reasons to not support you as a blogger and a Steem witness. You’re a charlatan and you need to stop with the bullshit. Every time you propose one of these ridiculous ideas and get called out for being ignorant/oblivious, you hem and haw and backpeddle and throw around your phony “thank you” replies.

Why don’t you try educating yourself first, then try to come up with actual useful ideas that haven’t already been proposed or useful services that don’t already exist...or maybe try to figure out if there’s a good reason why they don’t exist, if they do not?

Oh, right. That would actually involve competence and research - two things in which you clearly have no interest.