*but they can not invest that much. We need to buy bitcoin first and  convert it to Steem and SBD if we want to invest, and of course we need  to follow the same process if we want to take Steem and SBD and  converted to Rupiah. This is really annoying, we lost a lot, not only  for the administrations fee but also for the exchange rate. This  problems seems simple but it is psychologically affecting Indonesian  trust, they think that steem and SBD are illegal. Hmm, this is hard!* 

maybe in this context you can change the Rupiah to other types of virtual currencies, which may not be too fast fluctuations such as USD virtual :)