Absolutely reputation is important. They are tied together in many instances although there are some with high reps yet who drained their accounts. I feel bad for them because STEEM will be one of the hottest tokens of 2018.
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You are so right. There are lots of tokens with nothing behind them. Steem has more behind it than any! The token generator will be a game changer! I would like to see a mobile stand alone wallet for easy transfer of value as well. Steem makes Bitcoin look like something from the tar pits! Fees? Nope! Speed? Yup!