I'd agree on the chicken & egg idea.  Do you know a good current comparative review of decentralized exchanges?  Google search of Steemit seems to not be very good for results.  I might be willing to start with some crypto options trading.

The idea of being concerned about wallet comes from keeping the "savings" much more out of federal reach. I understand active trading funds in my present world are not in such a status. However, if we can move to decentralized exchanges for non-government safety, then we should be able to have wallets for that safety as well.  It seems parking in Monero seems a good safe space? LOL

Thanks for getting my mind going in this area.