In a private discussion on the topic, I described it as follows:

When you check out my proposal to change SBD from a Crypto Token/Coin/Currency to a "Loyalty Reward Point" and do the maths, you will see that it actually boosts our ecosystem up to the moon.

Especially because legally it isn't a debt of any sort until a conversion is put in, that takes 3.5 days to fulfill as per the code and hence only in those 3.5 days is a "debt" and affects the Steem debt ratio.
;)
Legalities of terms and conditions, which can make it the door opener to the world of online merchants
and even Wallmart etc, with digital "coupons" (Loyalty reward points)
simply buy a digital coupon and they scan it at the cash register
WOW
Literally a game changer!

without ruining our ecosystem and everything that it was set out to achieve
Making the dream come true!
The only problem is:

How do we get our top20 (government) to approve this?

Which literally sums it all up!