Ah, I so remember the bedlam when Tsu shut down overnight, as it left thousands destitute. It might sound crazy, but the thing that I missed the most was that all of my friends were gone and no way to contact them.
We never value something until it is taken away from us.
Should Hive tank for any reason, I think that it will be much worse than the TSU situation.
Your money is not your own until it's in your bank account lol.