After all, they’re new users—there’s a greater chance they don’t know how to set up a wallet or how to solve issues when they arise. This can lead to dissatisfaction. Before cowboy credit, these problems didn’t exist. Previously, new users could interact on Stacker News and earn bitcoin right after signing up. They only needed to think about setting up a wallet when they wanted to withdraw. The challenges were more spread out, which was more user-friendly for newcomers. Now, users are faced with all these issues right from the start.

Another concern is that new users have fewer opportunities to convert cowboy credit into bitcoin. For them, cowboy credit can only be spent. To some extent, this might give them the impression that cowboy credit feels like a "less valuable currency."