Spreading Assests is a solid idea. Bitshares is not Proof Of Work either, it uses dPOS. That means Delegated Proof Of Stake. Yet it works different from Proof Of Stake that you use with Vericoin. It could make up a complete post just about that. Fo more info on dPOS click here.

With Bitshares you can earn through referral and with getting part of transaction cost. That is for lifetime memberships. Also worth its own post. For more info on that click-here.

Yet, do see benefits in storing part of ones Assets in POS, like a savings account.

Steem Backed Dollar {SBD} works that way. So Steem has got that covered. The SBD value is quite stable, about 1 US Dollar worth.