As an average person living from paycheck to paycheck, I couldn't agree with you more.
Even now I'm starting to learn a bit more about crypto with the view of using my SBD to invest and play the money markets. It's a low / no risk solution for me because my wages are still there to pay the bills.
I might lose all of my SBD, and if I do I will be no worse off really. but I also might win big and finally pay off my debts and start living the high life. :-)
So bring on that Steem!!!
I finally started a bit of trading too. It can certainly break the paycheck to paycheck cycle.