Oh, one more point as regards delegation.
No, you're not supposed to delegate people. It's a thing you can do when you have a lot of SP and someone or something that you want to have more voting power desires it. In that case, you can temporarily loan your SP to someone else to increase their own power. You still own it and you still get the interest that accrues on it, but for all intents and purposes that involve affecting the blockchain, the person to whom you have delegated your SP gets the benefit.
Honestly, you're better off holding onto your SP until you have a significant voting power value and then just use your SP indirectly to up vote things you like. That's how you get more things you like.
So it is only a loan? That is pretty awesome and creative. Steemit is extrdanary!
Delegation is a loan that can be recalled at any time, for any reason, or never.
It is possible to transfer SP from one account to another so that ownership is fully completely subsumed, but the easiest way is probably to power down and then just transfer that STEEM wherever you want it.
I'm not sure that the idea of SP being a resource that can be loaned out is particularly awesome and creative; usury has been a part of human financial engagement for a thousand years in some parts of the world, and on Steemit it has led to the proliferation of bots which vote up less than quality content. Some of the side effects are less than desirable.
But it is a loan.