Hi Dave, this is only true if you use your SBD to buy more Steem and SBD doesn't fall at the same rate (or faster) than Steem, other wise there is no gain in rate of accumulation. SBD is currently falling at the same rate as STEEM, actually a little faster. For anyone trying to earn a wage here - this decline is horrible. My income is down 96% from the Christmas peak :|