Interesting idea ... hadn't thought about it this way because I've never bought or powered up Hive to advance but instead have been earning post by post it out since back on Steem. However, unlike on most other platforms, Hive does offer multiple returns on investment, and reputation is like "goodwill" in the offchain world of business.
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Yes, that is right. I mean it is absolutely up to the individual whether he/she wants to "invest" or not. There are various ways one can be successful on this platform.