I speak to my friends about hive and leofinance. I have successfully onboarded one who is active on the community now (@maverieux000).
Like you mentioned a lot of people are focused on their money side of things, and not creating value which is a big error on their part as it is almost impossible to gain in monetary terms when you don't add value.
There is no way one can promote refinance without hinting at the money aspect. I like to talk to people who are content creators. Those are my target, not the general public who are just looking for quick gains.
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