I've been through this with friends and family and trying to get their heads over how to buy Steem if they wanted to they have to jump the massive hurdle of bitcoin, verification, exchanges, powering up like you said! When one feels overwhelmed they tend to retreat and stick to what they know. Are there any fiat/steem projects in the works at all? I've still managed to get around 4 people to sign up to Steem, which I take the credit for(not the recent rise in price at all :D ) .