Do they teach people to pay themselves first when it comes to savings any more. Lots of people on Hive and Steem, that never pay themselves first by leaving the 50% powered up Hive powered up, they want to take it all so they power down on a regular basis.

The compounding of Hive being powered up should show people that compounding works, but I don't think many see it that way, just like given an opportunity to take their retirement penalty free now in middle age will leave them at the mercy of the government at retirement age. They will no longer control their own life, and possibly end up working til they die and wonder why.