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Investors who want to be more fluid can accomplish that on the markets without any lockin. I'm more of the mind that investors should manage their holdings accordingly. But, if they pay enough of a penalty for early cash out and are limited to how many times they can do so, that is not a bad thing for the system.
I'm a big fan of Elegant Theme's Divi builder for WP. I've used it for several years now and love being about to choose between their classic editor or their version of the Gutenberg editor in WP.
I was rather surprised to learn that Steemit.com started out as a WP theme that was then heavily edited. There is hope yet for what could come.
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RE: Steem.... My Two Cents Worth.