Maybe a few months after I joined Steemit, I converted a small amount of SBD into Bitcoin. But the vast majority of my SBD has been converted to Steem and powered up. I’ve never powered down any of my SP and hope not to until at least a few years from now, if then. In a perfect world, maybe not even then. If Steem moons, liquid Steem and SBD income streams could, by themselves, be a significant source of income.
I just recently have converted some Bitcoin to fiat to help pay for, literally, a roof over my head. Even with the recent slide in the crypto space, I’ll be paying capital gains tax rather than declaring a tax loss. ;-)
The future isn't going to be in Fiat and begging governments to lower taxes or increase welfare payments; it is going to be in communities working together for each other and developing their own social currencies, crypto.
Bingo. And only a tiny fraction of the planet’s population has any clue about this.