I know what it is like to get a late notice or a reminder. We have had those for the last few years and not for any fault of our own, but the company we had been working for. This was one of the reasons for looking outside the comfort zones and like yourself have found something plus I found Steem. We all want this place to succeed and there is no reason why it shouldn't.
For us, it is a timing issue these days, I am slowly getting things on schedule though. One day i am hoping that most of the bills can be cleared to the point they no longer arrive - live debt free.
It has been an uncomfortable journey for me on Steem. i have accepted it as the process of personal change.