I understand what you mean regarding a user selected safety period for SBD, I proposed it and no one was against it just that getting the dev resources to get it done is another story. It is risky for anyone other than Steemit inc to code it because there are no guarantees the pull request will be merged. Once we have the worker proposal in place then it is easier to push such agendas from a funding pool.

I am totally in agreement that holding SBD is a great hedge to fiat, even when SBD was lower than 1 USD I could still convert it for $1 USD worth of STEEM so it always holds its value irrespective of the peg.

I do however caution at your target price of SBD being $25, it was meant to maintain parity with the USD and the pump last year was a freak occurance which I don’t expect to be repeated, if it does likely a patch will be pushed to enable reverse conversions to help bring down the price. When SBD was even at 8 USD there was alot of heated discussion on how to bring it back down again. Negative interest rates could also be a tool but I’m not sure offhand if negative interest can be set on chain.