I don't think that it should have been converted.
I think it is an answer i.e. that it answers the question; specifically it says that answers include:
- To get cash when banks are closed
- To avoid creditors
I admit it's based on personal experience however that (i.e. experience) is supposed to be an attribute of an answer, to a subjective question such as "why do people...?" and "who uses...?".
The folks at Moms4mom owned up to the subjective issue and came up with a set of principles to create useful subjective discussions on parenting: the Back It Up! Principle. Back It Up! means that your answers must be based on either:
- Something that happened to you personally
- Something you can back up with a reference
Furthermore it is not a comment on the question: e.g. not a request that the question be clarified.
Some SE sites specifically don't want 'pseudo-answers' being posted as a comment, when they ought to be posted as an answer instead.