in order for something to be currency it requires stability, else not useful for commerce. steem is an asset sbd is designed as a currency. sbd has design flaws which is why it does not work as currency either currently. Tim is trying to fix these.
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I'm glad to see someone actually saying what I was thinking all along: the real "currency" is the SBD, whereas STEEM is more like a security / asset. I actually see STEEM as a sovereign bond of the "Steemia" - the virtual country where people earn and spend SBD (the internal currency)