She asked, "Why would you put any money at all in the stock market, where one day it was worth more than you started with and the next day it was worth less? When you could put it into a savings account and every month it was worth a little bit more and never less?"
That question set the stage for an interesting discussion about risk and return, but the really important part was a discussion about money, money that you needed to pay the bills, vs money that you needed "just in case", vs money that you were saving to have available in 30 or 40 years for your retirement. The complexity of money management is something that develops with a deeper understanding of the role of money in the context of your current and future life goals. A mutual fund is of little value to an 8 year old, but a great tool for someone planning their retirement.
The linked article shows someone who has a photo manipulation program, and that program has image adjustment tools that he has never used. He erroneously generalizes that to an unsupported hypothesis that nobody ever uses those tools, and then goes on to talk about photo applications which are much less flexible (Instagram and its competitors) and how he does use their tools. It is a great learning moment.
This is a huge trap for young entrepreneurs and it helps to think about it and not fall into it. The platitude is "know your customers." This guy clearly gets along just fine with a tool which makes amusing transformations 'easy' sort of the MacOS photobooth equivalent. And yet the tools he belittles in his mini-rant are ones that are used daily by artists all around the world, and there are even companies built around still more manipulation 'effects' because an artist doesn't see a picture, they see input into what they are trying to express.
So when your customers come to you and ask you for these features in your tools, it helps you get to know them better and helps you understand their needs. And while we often start by building tools for ourselves, if we can add a feature that other people find useful (even if we don't) and it gives wider appeal to that tool, its a Good Thing to do. Even if, as posited, we are not gonna use it.