Hmm I think it takes a bit of time to understand the whole concept of HODLing, to really get into it, I mean. I remember when I started and of course, there wasn't much point in taking any crypto out then as the price wasn't skyrocketing, but I don't think I got much of what HODL was about. It just seems like a game, at least to outsiders and the fact that you get a username and password (much like in an online game) only compounds that impression, I think.
But then again, I think it depends a lot on the outsider's perspective, how much they're willing to get into crypto, whether they come at it from a skeptical point of view or not etc.

I wish Kraken and Bitstamp would list Steem - so I could offer an answer for Steem.

That would certainly be a huge improvement. See, when I try to explain to someone how exactly one can make money out of Steemit, it's weird to explain that you see, you convert them to bitcoin and then you get your bitcoin into the exchange and....you've already lost them at this point, though it's not that hard in practice. Still, one day. Soon, I hope.