I had a $100 payout when Steem was around $2 and SBD was near $15. I invested over half of that back into Steem and Steem Power and still got over $200 cash. I was dedicated to the platform, but this payout opened my eyes to the potential and gave me a huge incentive to stay invested. It also gave me a great selling point when talking to friends and family about the platform.

My wife @kokivyivana also runs an Etsy business and is accepting Steem and SBD. So far she hasn't gotten any Steem/SBD orders. While it would be nice to have SBD stable for commerce, the few orders she may pick up using Steem/SBD are easy enough to handle manually Dollar/SBD conversions. You are 100% right that the platform isn't large enough to create a stable SBD on the grounds of increasing commerce. I can't speak for all of the business owners on Steem, but I know we much rather have a high SBD right now, and deal with the small inconvenience of conversion.