Power Down and convert to Fiat is necessary for some "starving artist" types but they are just hurting their future gains, this is all to true! I took some early ETH gains and rolled it into steem/steemit and it has been very good to me! I bought regardless of price, and when it was cheaper I bought more LOL! It is going to be my retirement, so far it has tripled and I see much bigger gains coming!