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The SBD debt mechanism is what gives us a stable coin for commerce, that we can use as a true liquid currency. I am a firm believer that we need it to attract merchants and velocity of money in the crypto ecosystem.

However, on current implementation we have more than what we need because people are hoarding it for the possibility of an asymmetric trade if we get another SBD pump. So there is more SBD in circulation than is really required.

It's a bit complicated. In short - We need a small amount of debt, but we don't need this much and if we have too much it can cause us bigger problems.

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