that account balance could easily evaporate if the Steemit experiment fails. People tend to forget that Steemit is in beta still. My account used to be worth over $300,000. I'm gambling with my time, afterall, since I left all my jobs. Steem is full of risk and I think a survival instinct is rearing its head. I don't live in any exuberant way. I live the same as I did when I made $2000 per month. So, your analysis is not exactly correct, however I do see your point and it's a valid one. I was very poor before Steemit, and my mindset is still reflecting a type of poverty. That is what is going on, I suppose.