Great point. I agree completely. In all the other systems they work great when the price is going up, but completely disappear when the price starts going down, very house of cards ish indeed. Ideally we still need a market for people to actually start transacting in steem... an online "steembay" or something where people exchange goods for steem.
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Maybe it's time to bring that up again... I floated that idea about 4-5 months ago and it seemed to fall on somewhat deaf ears... although @steemgigs and @steemshop came along as fledgling initiatives... but I think we need something more robust.