The 2nd one I want as well. It will have one more advantage, and that would be the stability. Yes, as we have seen in the past that Poloniex had stopped the transactions of Steem, and other issues with the exchanges, people get frustrated with all this. Also exchanges can manipulate the Steem price by offering at different prices or stopping the transaction at the crucial times. This gives them power.
On the other hand if Steemit provides the service for buying Steem directly using debit or credit card, that would be awesome for everyone.
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