I guess that's why I convert so much of my fiat money into liquid assets (beer).

In all seriousness though, the problems I've had with the banking system seem like they'll only get worse going forward, and I trust the US banking system more than I might trust some outside of the United States. With inflation working against saving as it does, a little more volatility isn't necessarily a bad thing for me. You can't have a whole lot of upside without facing some risk.

As for using cryptocurrency as a daily currency, the lag with Bitcoin makes it really difficult to take seriously. Whether I'm transferring it to an exchange to convert to USD or sending to a reseller, the amount of time it takes to process compared to just entering a credit card number is a pretty big hurdle. Steem seems to be snappier by design from what I've read, but I'm not enough of an expert to really know if that's really a feature of the network or just a byproduct of popularity.

I'll probably be trying the Edge wallet since I need something on my phone, and the implicit trust I have in you using it is better than I have in any of the other wallets I've heard of. I imagine the volume of currency you'd be dealing with on your wallet is an order of magnitude greater than what I'm dealing with, so if you don't get ripped off I probably won't either.