Exactly. I was one of those. In an effort to get sbd to it's peg, people have to convert it regularly. Right now, there's no advantage to that (unless you think steem is going to dive further, but then why not just hang on to your fiat? If you think steem is going up, well, and should rise with it, too. But then why not just buy Steem? I suppose it's a hedge between the two possibilities. If steem drops, sbd will drop, too, but not as much. If steem rises, sbd will rise, too, but not as much.)

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