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      "author": "steemitboard",
      "body": "Congratulations @biggerthanmusic! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@biggerthanmusic/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@biggerthanmusic) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=biggerthanmusic)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "memo": "Hi @biggerthanmusic! We know you love music because you are a DSound user. DSound music community needs your help! We have a community witness named @dsound that we would like you to vote for and we also greatly appreciate delegations of any amount, to help curation of our content since Steemit Inc removed their delegation. Delegations will be profitable soon and the first to delegate will get bigger rewards, please read @prc last post for more info... Thanks a lot for your support to DSound community! :)",
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      "body": "Congratulations @biggerthanmusic! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@biggerthanmusic/birthday1.png</td><td>1 Year on Steemit</td></tr></table>\n\n<sub>_[Click here to view your Board of Honor](https://steemitboard.com/@biggerthanmusic)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemfest/@steemitboard/meet-the-steemians-contest-the-results-the-winners-and-the-prizes\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmeLukvNFRsa7RURqsFpiLGEZZD49MiU52JtWmjS5S2wtW/image.png\"></a></td><td><a href=\"https://steemit.com/steemfest/@steemitboard/meet-the-steemians-contest-the-results-the-winners-and-the-prizes\">Meet the Steemians Contest - The results, the winners and the prizes</a></td></tr><tr><td><a href=\"https://steemit.com/steemfest/@steemitboard/meet-the-steemians-contest-special-attendees-revealed\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmeLukvNFRsa7RURqsFpiLGEZZD49MiU52JtWmjS5S2wtW/image.png\"></a></td><td><a href=\"https://steemit.com/steemfest/@steemitboard/meet-the-steemians-contest-special-attendees-revealed\">Meet the Steemians Contest - Special attendees revealed</a></td></tr><tr><td><a href=\"https://steemit.com/steemfest/@steemitboard/meet-the-steemians-contest-intermediate-results\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmeLukvNFRsa7RURqsFpiLGEZZD49MiU52JtWmjS5S2wtW/image.png\"></a></td><td><a href=\"https://steemit.com/steemfest/@steemitboard/meet-the-steemians-contest-intermediate-results\">Meet the Steemians Contest - Intermediate results</a></td></tr></table>\n\n> Support [SteemitBoard's project](https://steemit.com/@steemitboard)! **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "author": "steemitboard",
      "body": "Congratulations @biggerthanmusic! You have completed some achievement on Steemit and have been rewarded with new badge(s) :\n\n[![](https://steemitimages.com/70x80/http://steemitboard.com/notifications/firstpost.png)](http://steemitboard.com/@biggerthanmusic) You published your First Post\n\nClick on any badge to view your own Board of Honor on SteemitBoard.\nFor more information about SteemitBoard, click [here](https://steemit.com/@steemitboard)\n\nIf you no longer want to receive notifications, reply to this comment with the word `STOP`\n\n> By upvoting this notification, you can help all Steemit users. Learn how [here](https://steemit.com/steemitboard/@steemitboard/http-i-cubeupload-com-7ciqeo-png)!",
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      "body": "Steem as a currency system has the benefit of being 'inflationary' (9.75% gets added every year).  This is partly what enables the whole system of rewards and SMTs as we know them.  \n\nPeople are used to getting rewarded when they use their credit cards in fiat currency (1%, 2%, sometimes 4% of the value of the purchase and/or airmiles).  \n\nThey get rewarded largely from the pool of money that merchants are charged by credit card companies to use their credit systems (banks also benefit).  Merchants don't like paying these fees (to VISA, for example).\n\nA Steem-based credit card could reward credit card holders in Steem just for using their card, and merchants wouldn't have to pay anything.  The merchants would simply get paid in their fiat currency by the Bank of Steem.\n\nInternationally there would be no exchange fees between fiat currencies and that would be another benefit.  \n\nAnd consumers would get their bill in Steem and they'd have to pay it in Steem and they'd be charged interest in Steem too.  Or maybe they could have the option of paying it in Steem or the currency of their home country...  maybe a one-button 'convert to Steem' function would be available in the online accounts of the 'Bank of Steem'.\n\nAnd the Bank of Steem would also be the bank that backs up all the credit... a credit business that mirrors the existing systems already in place. \n\n...Of course, credit fraud would be irreversible because of the blockchain (but isn't it pretty much already?) ... and someone has to pay for fraud...  (I don't know all the ins and outs of how the credit system works, but somehow it does right now, and theoretically there are solutions).   \n\nWhat you'd need is for all the existing payment systems to somehow accept an integration from the Bank of Steem that would channel transactions with Steem cards effortlessly onto the blockchain (so you wouldn't need new hardware), and you'd need the individual cardholders to accept full responsibility for fraudulent use of their card (so you wouldn't need to collect payments from merchants to pay for this (or... when the blockchain issues a reward for use of the card, have some go to the account holder and some go into a pot to cover these sorts of expenses).\n\nProbably there are a bunch of reasons why this would be more complicated than what I've laid out here.\n\nMaybe better to just start with a Steem debit card, with Steem rewards for cardholders.",
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