We're already far more usable for money than Bitcoin is

And yet, we're getting rekt in terms of investor ROI compared to bitcoin and many other altcoins. Smart investors will buy up other cryptocurrencies even if they know STEEM is "better." They will wait patiently for more investors to catch on to what's happening here and then flood back in because they already know the value. If we all tell the whole story (including the investor potential), we may have a lot of very happy users who decided to drop in a few bucks just to see how it works prior to the future investor flood many of us think is coming.

As for staying in business, I think we're good there. Plenty of witnesses are happy to be block producers and Steemit, the company, has plenty of STEEM to pay for their expenses.

I think you're right to be more concerned with users. I even think 80/20 is a fairly good metric for that. I'm just hoping we don't forget about the 20% completely. Let's throw them some love too. :)