Sure, but that's beside the point. That just means they have knowledge you don't have about an even better investment. Or, they actually need to spend the mon

Sure, but that's beside the point. That just means they have knowledge you don't have about an even better investment. Or, they actually need to spend the money (e.g. buy groceries) and they still want to do the trade and appreciate the liquidity, no matter what knowledge you have.