It is actually very very hard to make 18%+ ROI every year for your average small investors in the stock or bond market.
On Steem it is as easy as delegating your SP via minnowbooster to receive that ROI as passive income no questions asked. I don't understand why 18+% pa is not a HUGE incentive to hold steem. The price is stable around 40cents for now and has the potential to increase a lot over time.

I think it just comes down to people not knowing about this at all.
We don't have one webpage explaining all there is to know about steem. How should anybody know unless he stumbles upon it by accident? Wikipedia is not helping, in fact, it only highlights the faux pas of the past.
We need a knowledge database on the front page of steemit.com asap.
Searching info by reading thousands of posts on steemit is not how people should learn about steem. Yet that is how the best-informed people gathered their info over the years. It's ridiculous.