Agreed. There should be a whole lot of options especially considering that Steemit is intending those less savvy and contentious to come on board. People need to feel secure not only that Steemit will make them money, not lose value, but their own money is safe in the first place. You don't want people used to facebook and reddit to lose money due to lack of clarity and ease of use to keep their account safe. That will quickly leave a bad taste in the mouth and a sour air for anyone thinking about it

And I say it again, there should be an official token bot whale filled with Steem that can exchange bitcoin (or whatever) for Steem that delivers market rate prices. In addition it should allow someone to get BETTER than market rate/discount the more Steem you buy in Steem Power. This makes larger investments for the long term far more attractive and makes it far more stable.