super super easy to convert it once you figure it out. you can create a bittrex account and transfer SBD (steem dollars) to the account. then sell it on their exchange for any coin you want. If you ever want to get that out you can transfer it over (from bittrex) to coinbase. then withdrawal it to your bank account. there's quite a few steps involved but once it's done a few times, it's easy.
RE: Who is paying us for steeming❓❗️