You are dreaming if you think that in the long term there will be no cost associated with money transfers. Yes right now you or most are stuck with transaction fees while converting on the market, thinking that you could use a platform like Steemit on a large scale basis to go out and around paying fees is about as naive as your ability not to understand why we all got cut down to resource credits...because operating a blockchain cost money. For your analogy to work someone would have to lose somewhere because who is going to pay for that increased cost to operate the blockchain for those who want to sign up exclusively just to send money around freely? "Blocks" cost "money" , they are not free.