Good points. Delegating is much safer and the possibility of undelegating is a much better guarantee than any conventional loan. I wonder what will happen to the price of STEEM when suddenly, a ton of apps start clamoring for STEEM delegations. What I'm hoping is that those apps will win who have an external revenue model in place.
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Doesn't need that much of a price increase to make massive moves in the whole industry. Most people that are on the chain right now came in, when the last word of mouth effect happened. Because of a high price. And then people will quickly forget about that ETH or that BTC haha.