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Some people just like to invest and don't see a need to social participation. Passive participation is also beneficial. Hive is an open network for all. Some also choose to keep significant fund in separate accounts/wallets for security reasons.

I agree. Some people use Hive accounts as crypto bank accounts, and that's fine. They're an important part of the Hive ecosystem.

And worth over 2 million all in. Prolly smart to use a secondary account to avoid using keys often with such large holdings.

Yeah. In that regard, it's nothing more than a bank account.