It has become a way of life now, in a very short time.
I find that it is the most compelling place to interact on the internet I have found. People spend their time on so much other nonsense, why not spend it here?
So if Steem turns around, I'll probably withdraw to clear that debt. Otherwise, I'll just keep working the day job and chipping away at it as I'm doing now.
I am likely to do the same. I had a chance to be debt free last December but didn't take it. However, it did allow me some steem benefits and kept me more invested here. So, if it does go up, I can take some without feeling I have abandoned anyone.