1 SBD = 0.88 USD right now. The peg has slipped quite a bit. http://steemprices.com/
I know there was a spike, but accounts have lost about 20% of their value in the past week. Tough break. But, of course, that happens. If you have SP, you're not in it for the week anyway.
Not offering solutions. I really don't know what's best and most equitable. And each user should be able to make their own decisions. I'm just observing and pondering...