Way helpful this tutorial. Not sure why it hasn't received a lot more attention. I am not sure, however, what the meaning of the savings account is exactly. This is how I understand it. The steem tokens I have under the steem tab are on the steemit platform. If my account were to be hacked, there is a chance that I may loose these tokens. If however, I move them to the savings account, as per your instructions, I will be have a double protection set in place. This protects my steem from being stolen in case of a hack. This transaction is free and I can move my steem from the savings account back to my regular account to use. Is that about right?