Rethinking the Steemit monetary system/wallet

Thanks to some interesting thoughts at this article, where @thejohalfiles brought in an interesting and worth discussing idea from @dantheman I started to imagine some alternatives for the steemit wallet.
I found this conversation thanks to my friend @freiegedanken and after a short discussion with him i will try to subsummize some ideas.

Everybody here knows that we have many different options and even different currencies (with different advantages). Steem Power exists to keep money in this system to block dangerous speculations. That's why it makes sense that only Steem can be traded and the powering down lasts some time.
So we at least need to different currencies in the steemit network (one tradeable, one not).

The discussion I mentioned at the beginning is very up-to date because this crazy situation of having a Steem dollar price of about 7$ and a Steem price of about 1.7$. This debate is so current at the moment because nobody knows if the dollar can stand the rush into the cryptocurrencies. Thsi could result in the problem that the term "Steem Dollar (SBD)" could also be counterproductive if many newcomers trust either cryptocurrencies or real metals instead of the weakening dollar.
In this field we have to discuss if the SBD is still necessary because trading is easy with Steem and SBD.

To my mind the SBD is necessary and does a good purpose to include newcomers who have no experience with cryptocurrencies, but do see the opportunity to eran some dollars by investing time or money in steemit.
If we wanted to omit one of the two currencies, I would suggest to choose the Steem and make SBD and Steem Power directly convertable.
A bigger an more interesting question is if the currencies should be backed somehow?

Ideas to improve saving money in Steemit:

One problem is the fall of the dollar. That's why we could assist/support people who are not trusting the dollar anymore with the possibility to keep Steem silver as an own category. This might result in a storage problem for the Steemit admins, but it is a good idea to rethink the saving column. Who really uses the saving category? In my opinion there is no need for that category anymore. A possibility to solve this storage problem with real metals might be an saving option in another broadly accepted cryptocurrency.
So why not making an "Saving as Bitcoin" category to keep the money "save"? That the Bitcoin is save at the moment might be disputable but this part of speculation could be done at the current price on Steemit should be possible. But it shouldn't look like an exchange which is why there should just be one external cryptocurrency.
This additional or replacing saving method could attract some other cryptocurrency fans to the network.

If there is the possibility to store real metals, there could be implemented a new "Saving as silver" category as well, which looks more difficult, complex and extensive. Many people anyway prefer to keep their savings in cryptocurrencies as the following survey shows. Many people do not really want gold to keep their savings:
https://cointelegraph.com/news/ron-pauls-survey-over-50-favor-bitcoin-as-long-term-investment

Please share/resteem this post to spread the idea!!
We need to debate as a community about such things and find for all "investors" (of money or time) in Steemit the best solution!