Great piece, good articulation and definitely some grounds and market share available, I am especially excited with increase mobile wallet use in Ghana it shows that the population is adapting nicely with the time... With regard to Steem and SBD, it is a continued debate I think with great interest while the market share potential you mention may have some merits we need to first examine what the current market conditions are, at present these pegged base currency still have question marks over their head, as we can see to maintain a "legally" accepted pegged the given project must demonstrate they indeed have the amount of reserves to back up whats circulating, and that has proven to be difficult given the volatility and uncertainty in the market Banks are not willing to expose themselves or readily provide liquidity for these projects given their volatile nature. I come from the Caribbean and we have a basket of pegged base currency here that from time to time go wack as they countries Central Bankers struggle to maintain their Current Account, instead many has adopted a floating system, that sets a floor and gives the currency enough room to move. Given Steem mechanics and the fact that its back by Steem itself, I think giving it a floor would be a better attractive feature moving forward, that way market dynamics determine its value and legal questions can't be ask. We should also keep in mine, that there would always be risk as this nascent market would be volatile by nature but we can give traders, speculators and vendors the confidence that the worse case scenario, SBD floor would be a base they work with...I think for now its better that SBD supports Steem, so folks should take advantage of the high SBD to buy more Steem, this also would help stabilize the price of Steem from volatile and snail like movement given its history of being the last to move...I think this system would work out, SBD at least has assets in the form of Steem and that would always make it valuable...Let the markets determine its value, lets things be dynamic, we must not chase a perceive high of market vendors when the game has always been about BTC, we should rather craft medium where Steem has utility on the blockchain and SBD easily transfers value that can be taken advantage of during market volatility, since November SBD has been tracking BTC quite well and most of the buying seem to be coming from Asian market, I think once trend is maintain we need not to worry to much about market share as most of volumes comes from Asia and these traders/ speculators can have to comfort given the track record of SBD...SBD should be allowed to run and support Steem, I like the fact the circulating supply that does out run system fundamentals given our present circumstance... Upvoted for visibility