I want to give you 200% upvote because you sound true entrepreneur.
Good luck with your bank loan! I really think we need more people like yourself go all in on Steem.
I can tell you one thing that lots people are underestimating the potential of social media/network.
For me Steem is the new Bitcoin and we’re all early adaptors and Bitcoin miners.
Yes you are right. People really do underestimate it. It's a really new concept of someone paying you to do regular content. That someone would pay you 75 dollars to upload a regular vlog wasn't in someone's head 2015. But it works since the value of building up quality relationships via quality communication is worth so much more than the short term value that we give away.
I have done some deeper calculations that our focused Time is worth around 25 dollars per minute in the modern age. Because of access to the Internet and the ability to reach billions of humans. That will say it all becomes about faster be able to make more connections in the network. In the future I bet we will have thousands of transactions going in and out for each human per day.
Yes I totally agree @phoneinf:)