A lot of the people on HN might be very willing and able to search a FAQ to try and answer their own questions.
But you would not believe how many average people refuse to spend even 10 seconds trying to answer own question and insist on reaching out to a human even when the answer is very obviously readily available. Sometimes this makes sense; there's some scams out there and at least speaking to a native English-speaking person is reassuring when it comes to who you trust your money with. But sometimes some people are just miserable and want to annoy others.
But you would not believe how many average people refuse to spend even 10 seconds trying to answer own question and insist on reaching out to a human even when the answer is very obviously readily available. Sometimes this makes sense; there's some scams out there and at least speaking to a native English-speaking person is reassuring when it comes to who you trust your money with. But sometimes some people are just miserable and want to annoy others.