I think we need more financial products so that it can be treated as traditional investments. We don't have covered calls on any market for example. So everything in cryptos is high risk, highly volatile.
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Yes. I agree. I was mainly saying that steem can be invested in by passive investors now just like other cryptos.
The difference is there are other activities posting, curating, etc that give more ROI but take some effort on the part of the user. They are not required though, they are a bonus.