You’ve addressed a specific mindset about personal finance that resonates with me because I was guilty of it some time ago. I'd like to believe that it’s part of the learning process we go through in life. What you’ve highlighted is something observable not only here on Hive but also in real life.

When I focus specifically on Hive, I’ve noticed that many new users are constantly cashing out their earnings. I’m unsure whether they fully understand the implications of their actions or if they’re simply doing so out of necessity. It makes me wonder if they’re aware that Hive might skyrocket in value in a matter of weeks or months, yet they continue to cash out regularly.

I speculate that some users view their activities on Hive as a job, where their earnings are akin to a salary they can withdraw regularly. While there’s absolutely nothing wrong with this—everyone is free to use their earnings as they see fit—I feel they might be missing out on a much greater opportunity.

This made me reflect on why they may not see Hive as an opportunity to grow their capital. Perhaps:

• They fear the platform might not last, so they prioritize securing their profits.
• They are unaware of or uninterested in the long-term potential of the coins they earn.
• They simply need to cash out for survival in the real world.

There could be other reasons, but these are the ones that come to mind.

As you mentioned in your post, Hive users come from diverse parts of the world and cultures, so their mindsets and priorities understandably vary.

While you touched on many other aspects of financial mindset, I’m commenting on this specific point because it stood out to me and piqued my curiosity.

As always, great post! Looking forward to your future posts.