I agree that using the rewards argument for getting people on Hive is generally wrong because it is easily proven wrong. And all we can say then is that it takes time and consistency and rewards will come. This might be true, but it's not what most who joined this way expected.
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From my offline business, I have learned that you can provide the best service but if people don't get what they expected, they will be disapointed nevertheless. When it comes to finances, new people lack the understanding of the blockchain and they will almost always be disapointed by what they really get. I think this is a big stone in the way of people joining for monetary reasons.