Steemit needs Dan Larimer to survive. Dan Larimer had the credibility and develop skill to bring Steem to where it is. Dan Larimer had the vision and when you lose your visionary you lose it all. What happened to Apple when it lost Steve Jobs or Microsoft when it lost Bill Gates?
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When Apple lost Steve Jobs the first time it was a disaster but this was only one of many bad decisions by management. However, since Jobs died Apple has been as successful as ever if arguably less innovative. Microsoft is still very successful though arguably not as dominant but I think that would have happened with or without Gates. Point being, companies rarely die based on one person and if it the type of company that is dependent on one person it probably isn't one you want to invest time and money in anyway.
Comparing apple to a company with a bus factor of 3 ... isn't helping much.