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Actually it was because people needed to be paid. The problems arose because people weren’t being compensated. Everything flowed from that.
People’s behaviors and tolerances are very different when they are paid.
That is part of why Steem is a much more respectful environment that other online forums.

Respect cannot be bought. Loyalty cannot be bought. Honesty, a rare commodity in these parts, is also not something you can buy. But I find it interesting that you assume it's all about the money. Says a lot about you as a person.

Steem is a much more respectful environment that other online forums.

Hardly. The only difference between Steem and other online forums is that Steem has a system that empowers those with money, regardless of how disrespectful they are to others.

Funny, because the experience of Utopian is when crypto markets were high and everyone involved was being rewarded financially for their contributions there was plenty of respect and apparent loyalty.
As soon as the money dried up, respect went out the window and loyalty soon followed.
This is not a criticism of Utopian or anyone involved, it is just human nature.
If you stop being paid, your tolerance drops.

when crypto markets were high and everyone involved was being rewarded financially for their contributions there was plenty of respect and apparent loyalty.

APPARENT is the key word in that statement. There's a difference between employees who do the bare minimum to get the money, and collaborators with a mutual vision who work toward a goal driven by faith, passion and a group synergy.

If it's all about the money, how do startups even survive the first year or two before they get investors? What makes people invest time and energy while unpaid?

it is just human nature.

No, it's YOUR nature and I respect that. I often wish I was more like you in that aspect. I sell myself too cheap and assume everyone is like me rather than like you. My assumption that people can be driven by non-monetary goals hasn't gotten me very far, so perhaps I should work on adopting your approach: Want my respect and loyalty? Pay up.

On Yom HaShoah I think it is important to distinguish between how blatant anti-semites run wild on many online forums but are flagged into insignificance on Steem.
This self regulation works without the expensive and biased censorship of "trust and safety" people on major forums like Facebook.
People behave better when bad behaviour will cost them money.

How is Yom HaShoah relevant?

If one of the whales (say, bernie) started posting antisemitic content, it would not be flagged into insignificance. If someone invests a pile of money in enough SP to promote that type of content, it will be. Money rules, as you've said. Respect is bought, free speech is purchased.

But a whale who did this would be destroying the value of the Steem platform and thus damaging their investment.
That's why whales don't post blatantly anti-semitic content.

On Yom HaShoah, in a world or rising anti-semitism, we need to choose between the centralised censorship approach of Facebook or the self-regulatory approach of Steem. I choose the later.