For me it's a bit of both. I like to spread my chances, so I use my free Steem/SBD to invest into other cyptos, while I keep my SP safely in my account.
I also trade some Steem/SBD into fiat from time to time, because right now, Steemit is my way of earning money, even if it is just a little. It's better than nothing and atleast it keeps my head a little active while I'm still not completely over my burnout. Steemit for me is even a little therapeutic I guess!
Steemit definitely is a good place to invest your time in, though giving up a job or study for it (like some people do) is a little too much for me. A feeling of security is quite important and Steemit can't promise you a steady income.
These days there is no guarantee anywhere of steady income, but I wonder how many people think... If I ever get bedridden, or disabled, I can still work with Steemit for a bit of assistance financially.
Oh definitely! That's a great way to use Steemit and I hope many people can benefit like this from the site, or any of the other Steem blockchain initiatives.