Steem is something you want; you earn steem by using steemit.
You get this crypto currency [internet money] by three things; Authoring Blog stories, Voting on content (curating) and moderating on content (posting comments).
So all you need to do is use the Social Media website called Steemit, the more you use steemit within the rules the more you get paid.
No one cares who you are, no one cares about your bank account or credit card info. No one cares about anything about you at all except how you paste stories and/or pictures on the websites...
There is nothing more to investigate, nothing more to know; simply you will learn the rules etc as you go. Do not think nor worry this is a scam or anything else, it is not; and what do you care? Simply no one asks your age, name, location nor personal details so there is simply no way you can get "caught" or 'ripped-off' since no one ever asks who you are.
Sure elsewhere you will need to convert your steem into real money, but that is elsewhere and later; it has nothing to do with steemit. Nor will you be doing that stuff any time soon, so just relax; have fun and be a good little Steemian...
C U on the BC :) (BlockChain)
/hugz ;)