Meanwhile we're building some stuff to take care and eliminate the middle man. Steem is probably the least dubious of all cryptos. We literally earn money on it talking about our lives and everyone knows everyone else because we're humans and can't help talking and sharing about random stuff in our lives.

My vote is here that Cryptopay is getting shady. Policies like this are always the very first sign of an impending collapse in any exchange. Careful not to get goxxed. Stick with non-custodial exchanges if at all possible.