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listen 78% of americans live paycheck to paycheck, they even canNOT buy bitcoin now at all

that's their money-mangement problem.

Beer... or Bitcoin...?
Cable TV and unnecessary consumables... or financial investment...?

Or, they could get on Steemit, start writing, and earn their startup capital in Steemit. That's what I did.

Or, they could get off their ass and create value in some way for someone that'd generate enough to get a foot in the door.

But most won't and don't. And no one is to blame but themselves.

Agreed, great points. Most ppl would love to be rich n retire early until they realize what it takes.