I never use it. I don't see no point in using it when you can store bells on the..... (GAH! I can never have any idea what you call that thing where your avatar is)
a majority of the time i forget i even have bells in my abd. i deposit all of my bells into my abd once every two weeks or so because i know i'll eventually forget about the bells in there & manipulate myself into thinking all i really have is like 10 tbt, when really i have so much more stored away. its for the sake of preventing myself from spending too much all at once
I used to just to store bells, but not really anymore. I felt so stupid because I had only known about the interest system and used it for like 2 months before it got shut down
I love using it! I personally think it's really useful, especially if you want to buy art using tbt. I normally use it to put the amount of tbt I don't want to spend since I may be saving up for art or other items/collectibles.
Even if there's no interest system anymore, it's still useful if you want to save up, not show the huge amount of tbt bells you have off since some people may beg you for tbt which can definitely get annoying no offense to anyone, or if you plan on paying tbt for art (since some artists have you pay half up front and the other half once they are finished).
I use it, but I don't really know why. I think it just makes me happy...
It doesn't stop my sister from knowing how rich I am and how much I'll give her, though, so I'm considerably poorer than I was when I started...