The same thing as what you are doing. I do it with lower rate to protect my self on the fluctuation of the prices which can suddenly change in an instant. And because I have to cash it out to use it for the same purpose.
The only advantage for others is that they can cash out their SBD or Steem even if they only have 1 SBD or Steem.
I will only change SBD or Steem from minnows and lower accounts. If someone send me sbd to change and I see their account have plenty sbd or steem which means they can afford to go through exchanges I will return their sbd or steem back with a note "you can clearly afford fees for exchange, please use an exchange to convert your SBD or steem."
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