RE: The (purely financial) folly of cashing out Hive as you go....

This is a good argument for people who don't need the money to buy basic necessities. Some 40 years ago I was earning a tiny paycheck at a part time job. I put all the money into savings bonds for my kids and never cashed out. But, to do that, I had to have enough money without that paycheck to pay my bills. I enjoyed the luxury of letting those bonds accrue modest interest and grow. But if I had hit a rough patch, or if that tiny paycheck would have made a difference in my life, I wouldn't have been able to put it away.

Same thing with Hive. If I needed it, I couldn't let it grow. Some people need it.