How can Steem make it happen?

Steem has all the elements that are necessary to make a functional, decentralized banking system. With the rise of the internet, this is especially relevant. All we need to do is promote. Get Paypal users to stop using Paypal, and get Steem instead. Get those who still have a bank account to quit paying annual fees, and get Steem instead.

Bitcoin's growing popularity has proven that people want decentralization. However, I think Steem can take it all to the next level.

But bitcoin is way too technical, made for machines and difficult to be understood for a newbie. Steem in my opinion is the exact opposite of that. Personally I learned how Steem roughly worked pretty much in the first hour of visiting this site, thanks to the awesome GUI.