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You're right. Cowboy credits can't be withdrawn, I'll give you that win. But that's like pointing at a campfire and saying 'you can't put this in your pocket. Congrats, you've identified the wrong metric for the wrong thing.

Withdrawability is a feature of money, Cowboy credits are not money, they never were, they were never advertised as money, they are reputation with a price tag, and reputation, my friend, has never been withdrawable, it's earned.

You're comparing Revolut (a bank that plays exchange, that takes your fiat, gives you a number on a screen, lends out your deposits, charges you fees, and hopes you never ask for the real thing) with Stacker News (a community that gives you credits for contributing, that lets you tip others, that creates a market for attention denominated in the language of Bitcoin).

One is a vampire., the other is a garden. The vampire takes your blood and gives you a receipt and the garden takes your seeds and gives you more seeds, you can't take the seeds out of the garden, that's not a bug, that's agriculture.