Money have no value until you use it, it's value only shows when you put it to use either you invest it or you spend it.
But the money we have that we don't put effort to increase and just spending will eventually finish and when it's finished, it's value have gone with it except we use it for something that will be generating some income. If you have money, instead of holding onto it and keeping it because you don't want it to finish, why not invest it on something that will generate interest on the long run.
Some people invest their money on seasonal product and sell it when it price is high thereby getting the capital and at the same time getting the interest which is their gain. Example is the current situation we find ourselves in which the crypto market crashed, many people have took the opportunity to buy the dip which I believe is a smart move because very soon the market will rise again and when that time comes then they will be happy to sell at high price with great profit.
If you keep your tokens in your hive wallet without delegating or staking it will be fixed their, it will neither generating nor growing but once you delegate it or you stake it, you will be expecting a return which is your gain.
Example of money on hold can be related to the hive token, HBD and all the other second layer tokens which we received from our post rewards. If all this tokens are kept in our wallet without putting it to use it will be there without generating anything but if those tokens are put into use by staking and delegating them then one can earn a passive rewards through that and which means a well money spent.
Staking or hive powering up add some value to one on the blockchain and that's also applies to second layer tokens because through staking then we have the power to curate and earn some rewards and likewise the delegation.
It is a smart move to put money or assets in use as that will earn us more income rather than piling it up somewhere without making use of it. Making use of money or assets can be viewed as an investment because with time you will generate more income or rewards like putting HBD in to savings.
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