Hi there! As you said, it is the users own money, but people from Nigeria, South Africa and smaller countries where the value of money is so low, should take advantage. At this stage for South Africans 5 dollars is a huge deal. For a mere 5 dollars you can buy enough to feed a family for a week. There are plenty of people that sells sbd and buys bitcoin. To use South Africa as an example. For one bitcoin at the current price you can buy or build a small house that will have you stay free for a lifetime. Either way for now the money stress is gone for a while which also makes life much easier. For some this is pure survival money. Every time I go to a shopping mall to go and spend some of my steemit money I feel so sorry for the car guards standing in the sun the whole day for a very low salary. Some earn less than twenty rand per day, which is equivalent to 1,58 American dollar. With that they can buy a loaf of bread and a two liter of milk, which can feed their four or five kids at home and no one will go sleep hungry. For most people here, it is a godsend and I am trying to spread the word as far as possible but you know how people are about crypto...