I think the APR analogy should be reserved for situations when you let your HP do the work ( inflation + curation via a voting trail ) without any input whatsoever. If you grow your account by actively posting, commenting, etc then it's more like getting paid for your time than a return on an investment.
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I disagree. It is actively managing an investment. Many people think passive investment means doing nothing.
Dont people have to research and eventually decide to make moves. Isnt that time and effort being put in that they hope to be rewarded for?
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If I choose to put my money into 3 big investment funds for example, I do some research and that's it I don't have to write posts about it at least a few times per week :)))