There are already others building fund management platforms that have normal payment channels like the dollar and Euro. Iconomi is one of those platforms, so if you create a fund that includes Steem or SBD, they can invest with dollars. You also have to remember, that most companies who on-ramp from fiat currency into Bitcoin or any other digital currency, are the main ones who are facing regulations. It's still up in the air what many regulations will be when dealing with the fiat aspect. Not to mention, traditional banking and credit card companies shut down accounts for many bitcoin related companies and projects. So, it may not be in Steemit's best interest to mess with all that. If Steem and SBD become huge in the future, you could very well see them added to Coinbase just like Ethereum was this year. And look at all the regs they have to go by. I do agree that the biggest hurdle to get investors into this space is the non-ability to buy in with their credit card or banks draft. If you have to touch Bitcoin or Ethereum first, and its a pain point, you lose a large % of potential investors right up front. Check out Iconomi's latest blog to see a sneak peak at their fund management software that will let investors buy into funds with traditional payment methods: https://medium.com/iconominet