I have some idea of how bitcoin is created. I have no idea how Steem and Steem Based Dollars are created, nor of why both are needed. I lost $10 SBD last night by sending them to my Bittrex wallet where my Steem goes. Wrong move, you need to send them to a different wallet. I don't know if there is a cap on SBD or Steem, and so really don't know if they will rise or fall in value. People who are saying they can go to $5 have to explain why they think so and how the coins are created.