I tend to agree with you.

Especially when you are paying someone a cut to do things. But there are some projects, that not only do stuff but teach stuff.

SPI for example, I learned so much from watching them grow the account, and now I am starting to do the same thing for myself.

Or, like Eddie-Earner, of course, you can do that for your own account, but watching interest rates grow is just.... fun, and doing it as a community makes it that much better.