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RE: Into the win: Participation on Steem
This is called the tradeoff between the opportunity cost and what the funds did for you instead. Some over value the cost of opportunity and think that the time spent on a particular activity is more valuable that the capital compounding over time. However, with new technology it is often missed like you mentioned. Interestingly enough, we are still early adopters and the opportunity cost of not invested at least time is probably still greater than what alternatives you can do with your time.
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If one is wanting to work and then buy in, that is great but I would still recommend (as you know yourself and do yourself) to keep posting, keep engaging and use what value one has to build both the self and the community. It is a pretty unique opportunity we have here to take ownership of the future.