Yes, @timcliff. As you know from our recent exchange, this is a MAJOR pain point right now, and one that could SIGNIFICANTLY help people who are in need - whether temporarily or on an ongoing basis. Perhaps it might be IDEAL to start developing this service as an "emergency" type fund, for the MANY Steemians who are in a bind, and then building it out from there. In fact, this "emergency" setup could initially be run in a more peer-to-peer manner, where someone simply sets up a message board type of platform which allows those in need of cashing out of SBD to post the amount, the (general) reason, etc. so that the people who choose to convert can choose who to help. I am just thinking that this would be a more productive "stepping stone" which will likely avoid some of the legal issues which everyone is worried about. That is, it would be more of a CHARITY than any sort of potentially misinterpreted money transmission service.