While I agree with your statement, I will also highlight that these same people overlook the steem and now hive that they earn from holding staked steem/hive so it isn’t even like you could be completely honest in tracking this in the first place.
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Yep, there's ways to track that as well, but there's no easy way to do it in your region's FIAT currency.
I doubt many here report any obligations anyhow, so it might be a moot point.