> I'd expect anyone educated enough to actively trade with robinhood

You don't have to be educated to actively trade, with RH or otherwise. You just need cash and confidence.

(Note, I'm not saying that is enough to be successful or make active trading worthwhile, but the customer pool isn't limited to people who should be actively trading.)

True. I use a credit card for almost every purchase I make in order to rack up the rewards points/dollars. My debit card only gets used at the ATM for times I need cash.

In the past year, I think I've used my debit card for one purchase at a local small business where my purchase amount was under $10 but I didn't have any cash on me. I wanted to ensure the business didn't lose money after the swipe fees, so I used my debit card and PIN.

This is purely anecdotal from e.g. the finance subreddits/websites I read, but Robin Hood seems to be the first trading experience for a lot of its users (likely because the mobile experience is so seamless compared to something like ETrade). I meant educated as in "holds a higher education degree", not necessarily in the way of trading.