My account is even smaller and there is a AU$50 minimum to take crypto and put it into my bank account, which at these prices is a hefty amount of liquid Steem. Things are pretty tight and I won't really be able to start saving money again until next week.
But I see Steem as separate from FIAT. so I am treating it more like a retirement account. One day I hope to be able to use it to travel overseas and so forth, but we'll see what happens. The next 5 years or so are going to be rather interesting.