No matter what You actually do, just be mindful that there are steemit users who struggle to survive. Who can't quite make a living, but keep betting on steemit to be one means to secure funding. Whatever You do regarding the availability of these funds at any - for a bad example: Western Union, who fleece those in need of funds movement. When small funds are moved, there are always problems. When I want to move a billion dollar - see how smooth that goes.
Thank You for considering the severity of all matters related to members' funds.