Yup, I think Steem's protocol has the potential to cover pretty much like 90% of anything people will and can do with programmable money. If there's heavy adoption, I don't see how feature requests can't be included including the likes of smart contracts and such. But it'll most likely be inter-operable with other protocols to get the misc jobs done :)
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Yup, learning the terms and concept of SMT as well. It is pretty cool that we can just create token based on a different genre of usage.
Wonder if it'll actually work in practice! Like smaller/limited communities.
we shall see then :)