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RE: Enabling a Steem-based alternative to Patreon through light accounts
I think that using light accounts that way is a great idea, I really like your analogy with credit cards.
If steemit, inc doesn't include it in the main wallet I truly think that anyone could build a good website specifically with this goal. Obviously, he'll need to take a cut out of the subscriptions which removes one of the positives but it's better than nothing.