Well I didn't need it. I first was skeptical of Steemit. So I thought I would take out 50% (the liquid rewards). So many people back then felt it was monopoly money. I wanted to be able to confidently tell folks I was bringing over that the money was indeed real. When Steem mooned I was kicking myself lol! I encourage people to take out a few bucks eventually just to buy a burger because it is wise to have the accounts set up and functional before you need it! Also that burger psychologically really cements in your mind how real it is.