Hey Guise! Look! I finally found one! 70 Rep Plankton ;)

Dood, you MUST be doing something wrong???
This is all tongue-in-cheek, of course, what is the deal?
Mr. EverrittD.Mickey claims to have bought a boat, a car and a house from his Steem Gains, he's like a 72 rep but in Dolphin/ORCA range.
I have a pretty good grasp of the mechanics here, I think, but I do still help others. You can thank @cyberdemon531's resteem for me being here.

To counter your OP title, I would have to ask, Did you really ever understand these things?