As far as holding on to SBD - it was a huge mistake to introduce a pegged currency, in the first place. The developers couldn't have known how their project and attached currency will fare. This was a psychological gimmick for investors, but a huge risk for the system. And as we are now aware, the developers' expectations were wrong, especially considering the overprinting of Steem.
Why are steem dollars a mistake? You don't explain why. Steem dollars retain their value more than steem or steem power have. I feel that steem dollars make better payments than the other two - https://steemit.com/news/@ilovefashion/my-suggestion-to-steemit-for-payments.
I did explain quite well. I suppose you just needed to post your link here.
In case you really don't understand, then ask yourself the following question: In case of an economical crisis, would an employer pay his employees in a stable foreign currency, or in the local unstable currency?
If your employer pays you in a foreign currency, this means that every month he would have to pay you more and more of the equivalent local currency, while making less and less, by operating on the local market, right? What would be the result of this policy? His business would go bankrupt fast.
That's why SBD has become a liability for Steemit - and will become more of a problem, the less valuable Steem is. I wouldn't be surprised if the developers soon switch to STEEM for article payouts. And I'm not even discussing the advertising banners, which will soon be plastered everywhere.