This is a pool for minnows. There are people who don't have a lot of crypto and don't want to buy it, so it makes sense to have somewhere to store small amounts that have been earned online, and slowly build it up with interest until each member has 1000 SMART for themselves and can set up their own account that attracts interest. It doesn't bother me if there are only 2 people in this pool, as long as it makes sense for both of us.