I consider myself as poor. I'm just living a minimalist lifestyle, and my income is just enough for my day to day.
With regards to the crypto topic, you made excellent points. That is why I think Hive should focus more on mass adoption of their Hive and HBD tokens. A lot of the other crypto don't have their own stablecoin. Hive with HBD can be used for services and purchasing of goods, and are already happening in some places. If Hive can get more of that, then we can have a bigger lead than other tokens.
Mass adoption of the tokens isn't enough - it has to be mass adoption of the community in order to be able to secure the network.