The philosophy to me is kinda simple as well. If Steem goes to dust, I might lost a month worth of salary but if it boom up, again, maybe a way bigger boom than the 2017 one, I win big. Of course we all have to stay within the realm of affordable investment.
If Steem goes to dust, I'll lose a bit more than a month salary, but I get what you're saying :P
Great to see that you're still active!