Your payout may be lower, but one Steem earned today will be worth $10.00 later if the price goes back up. So gathering as much Steem as you can while the price is low will be worth a lot more when the price goes back up. Just don't cash it out now or you lose everything you've invested.
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Yes this is the case with all good Cryptocurrencies available and who holds them tight till the end got most out of it.
yeah, exactly, totally agree with you :)