Thanks for expressing this dan. I agree with most of what you say here.

I'm doing my part to create demand for SBD / STEEM by getting the steemd and cli_wallet proprly documented and listed on payment gateways that easily integrate with existing e-commerce setups.

I will start holding on to what SBD I do not need for every day expenses.

Also as part of my witness campaign launched recently I'll take this information to heart and begin watching the price feeds more closely. Currently still working on setting mine up properly.

Also I would like to add perhaps a small adjustment of interest rate upwards might coax users to hold them longer? Is this even possible?