As much as an "investment" I have also viewed Steem as a sort of "forced savings account" where I could engage in social blogging — which I would be doing, anyway — and slowly dribble the rewards away into long-term holdings. And at the same time, have an "emergency fund," in case something unfortunate came along. As it has turned out, we have been in a bumpy patch for a couple of years.... multiple failures of projects that were previously doing well... and at some point I'd like to think the fortunes will turn again.

Hopefully, continued community participation will help rebuild that "fund."