I won't speak for all users but I've used it to accept payment for selling used stuff on gumtree (very handy for this). It's also very useful for sending money

I won't speak for all users but I've used it to accept payment for selling used stuff on gumtree (very handy for this). It's also very useful for sending money overseas which I've also done. I don't think I'm a special case which is why I wouldn't miss the forest for the speculators and dismiss the motivations of millions. I also live in a country that wants to pursue land expropriation without compensation based on skin colour. Having a bank account that no one but me can access is quite appealing right now. So I'm not using it to spite your worldview - it's been genuinely useful