This is the reason why I am not sure who this question goes to, if you are asking about the holders they are holding but if you asking to people who use it, we use it. I personally buy BNB time to time in order to cover my trading fee's, it is helpful that it is cheaper to use bnb if I want to.
In other words, the user itself who are confused on what to do about their BNBs or thinking if BNB is a good investment should decide by themselves and not just to rely on other's view since as you mentioned:
For holders = expecting a good future
For regular use = to cover trading fees or to trade it regularly
This decision is really tricky, especially for those newbies. But that was one of the exciting parts of getting involved in crypto, the ability to create a good decision-making.
