Hive is a toolbox rather than an investment. For developpers and entrepreneurs it's a paradise but for the people wanting to make a quick buck it's overwhelming. With quality apps like Splinterlands it's possible to attract people with pretty straight forward onboarding. Some of them will start to inquire more in dept and they might become regular hive users.
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I like the way you look at it as a toolbox.
But unfortunately that won't bring mass adoption. Applications which make use of the toolbox will though. And it is possible to become an investment too. But for quick money that will not be on Hive, most likely, but rather on other ecosystems connected with Hive, where this kind of mentality prevails.