Just to answer that last question, about a week or two ago steem was steady at 1.9% making it 1 steem worth 2 used dollars, therefore raising the sbd would have made more sense. However looking at the recent crash it's unlikely this will happen for awhile. Second lets say steem goes up to 5.0% then you 90$ would be worth 5 times as much. You can watch prices here https://coinmarketcap.com/ and follow me here