When I joined Steemit, the whole point with the three currencies looked very complicated to me. I am a researcher type so it was for me just an incentive to learn more, but not all people have the same attitude. As for the dollar connotations mentioned by @rymlenm, they could be easily calculated. But as this post says in great detail, SBD "provide a steem buffer in case a short fall arises between the amount of vests being sold and being bought".
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