I sincerely Hope people start using steem instead of paypal. All we need is a simple p2p system to replace paypals ACH bank transfer system , or amply use bitpay cards for cashing out, coinbase for buying in.Id rather find a different solution rather than coinbase, like using localbitcoincash.com but imagine a localsteem.com for listing steem to cash and cash to steem payments. It would be nice however to just have a coinbase like app but which bought and sold steem/sbd with your bank/debit/creditcard just like coinbase does. We can dream can't we?