Also the fact that it's locked up for 7 days. I've posted arguing that it should be changed from a 7 day waiting period to a 3 day waiting period, due to the risk that is involved. Changes in the market can cause the user to lose money... If the price of STEEM is below the weekly average when the order is executed by a greater proportion than the market is undervaluing SBD, they will have lost value. It's hard to forecast what the market is going to do a week out.