I agree with your sentiments on this, and certainly think that cashing out is crazy.

I've done the reverse and bought in. Probably too much, since nearly three years of Hive/HBD earnings on top of the HIVE I've bought & staked is still slightly less than the fiat I've invested. I'm hopefully that will change over time.

But the main caveat I have is purely down to risk aversion. Hive is a fabulous place to invest, but like everything crypto it could all go up or down or even (in a worst case scenario) totally disappear in the blink of an eye.

So it's just a case of following those old adages of never invest more than you can afford to lose, and keep a diverse portfolio so you're not putting all your eggs in one basket.