To me difference between Steem and fiat is -taxes. I earn money on Youtube and I pay 27% from my earning in taxes. I will hold us much Steem as I can and as long as I can, because I believe that in 10 years it could hit very big number. So I am here to stay for long time :)
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Yeah, I pay those taxes on SBD I exchange as well. So I cash out as much as I need to live as I've left all my fiat clients.
You see youtube split my earning 50/50 and after that I pay tax so I work approx 30% of the money I make there. When I sell art in gallery I have same situation plus inflation rate of fiat around 6%. Steem will gain more and more influence through information and education over time and it will push price up . Fiat keep it influence in the world because it backed up by military .