Hey Jerry, thanks for being so active in our Steemit community! Great to see!

I have been thinking about Steem and Steem dollars as a stand alone wallet due to convenience, transaction speed and no fees instead of using Bitcoin. I wrote a post with a basic features and benefits here: https://steemit.com/steemit/@sequentialvibe/steem-mobile-wallet
I am surprised I haven't seen this idea out in the wild yet!

All the best.