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RE: Lower debt ratio with conversion of SBD?
The easiest way is probably steemworld.org, if you go to https://steemworld.org/@aneukpineung78 and go to the "balances" tab there's a "Convert SBD" button over on the bottom right.
Ah. And yes, there's so many button on SteemWorld, and I never even tried them. I see the mentioned button but it seems to be inactive at the moment.
My guess would be that you have 0 SBD to convert to the site disables the button, but an account that has SBD would have that option (it's what I've been using to initiate my convert operations).
Thanks for explaining. Makes sense.