If you compared STEEM to fiat, most people do not walk around with all their money in cash in a wallet....most of it is in a bank and often transacted out to pay bills.
Incidental purchases (coffee, Big Mac, rolling papers) end up on credit/debit cards...there is no reason why we might not see similar cards in the future...perhaps tied to steem.
RE: STEEM As Money? STEEM Has Something No Other Cryptocurrency Has....