I get a lot of the "too good to be true" response. Part of why it's hard for me to prove what I'm saying is that I never cash out, but only powerup. So I haven't literally bought anything with my STEEM earnings. The whole thing is a little complicated for a lot of people to understand, and without being able to really understand HOW it works, it does come off as TGTBT.
But then I'm thinking of the content creator side. On the investor side it can still seem TGTBT though because of the passive income returns that other coins don't give.