I like your way of thinking Hive account@wildoak! :-)

You're pretty right, I also believe that - besides Smart Media Tokens - the dApps built on Steem will be key for is overall success.

I'd like to add fundition.io - Steem account Hive account@fundition - to the two applications you just mentioned. It's a decentralized crowdfunding application built on Steem with a great usability. The projects set up on fundition perfectly showcase the power of Steem in many different shapes.

The internet of value is on :-)
Here's one of my favourite articles in that context written by Hive account@hedge-x: Welcome to the new internet

Steem on! :-)