RE: even two week bank holds on deposits suck..

A long-time bond is not a scam and exists in the real world too. Long-time savings accounts are a pretty standard offering anywhere.

You have a choice: If you believe in the platform, keep the Steempower. If you need liquidity or are a continuous trader/speculator, use Steem. If you want something stable long-term with slight interest, keep the Steem Dollars. If none of these applies, convert into any other crypto-currency you like or (god beware!) cash out to fiat at last.