I think that the idea is to exchange Steem Dollars for STEEM and immediately turn STEEM into Bitcoin or whatever. Because by turning Steem Dollars into STEEM you always get $1 work of STEEM from what I understand, so it really doesn't matter how much STEEM is worth as long as you are immediately exchanging it for some other currency. You might want to only keep raw STEEM to speculate on the price or something. But this is just my understanding.