I do get that, absolutely. I mean, I have been growing for 8 years without taking any out. So that's definitely where my personal beliefs are. Where I'm coming from though is that I don't know if I can assume others have the luxury of not needing the money that I do. To some people any money is a blessing, I'm sure you know people like this who live paycheck to paycheck. They know saving and investing would be good for their future, but doing so is simply not possible for them. To people like this, they are going to withdraw everything they can from Hive. Not because they want to be a leech, but because they just need money that much. To people like this, writing a post here and getting paid is little more than like a job.
Anyway, so that is where my idea is. I fully agree with you that they, and all of Hive, would benefit if they saved just a little, but I just don't know if I can assume everyone has this option.