I asked for rational reasons. Not excuses for entering the system. You're basically saying that I should trade my ownership of something for the ownership of nothing because you've accepted the record of the latter as a currency. Which is as nonsensical as saying: "I've traded my car for monopoly money because I accepted it as a money." Or, I've traded my house for a record in a ponzi scheme because I accepted this record as a bond. Well, in your imagination you can decide to accept whatever you want. But that's not doing business. That's trying to justify irrational behavior.
So, you've never experienced that financial schemes, where people hold the record of membership but own nothing, collapse? Interesting.