Without terminals you can not withdraw what you have earned. Although you could do this if there was a foundation for this - terminals.
But it's best if the shops and restaurants will take it for their goods and services. It would be even better to issue a crypto card.
But all these are only ideas that can never be realized!
Although most likely will take several years, before crypto enthusiasts understand the true goal - to defeat the financial system - you need to give her a replacement! But no, steemit is not used today elementary for shopping. But Bitcoin is used for these purposes.
Everyone writes thousands of articles but no one thinks about the vector of the Steemit project.