lol, I couldn't help but comment after reading you guys' argument. Imo, Hive account@indigoocean is actually using blockchain as close as its original intention "a free banking system". That's one of the reasons blockchain creators, especially ETH, touted that it's a decentralized system where you can transfer monetary values across countries for little fees and no middle man.

So, yea, you do you, Hive account@indigoocean. If you can use Steem blockchain as a no cost, zero fees banking system, you should spread the ideas. Just beware of the price fluctuation and you might be onto something big.