Your analysis is very accurate @tarazkp and I strongly agree that we all have an important role to play in being able to manage our own finances without being dependent on any party.
The cultural shift towards cryptocurrencies is a great opportunity to improve things and form a collective-distributive system, which will ultimately benefit each other without feeling "milked".
Perhaps, we in the #Hive community can be the pioneers to help our neighbors prepare for the new system.
Because this is something that is still new to some people, it never hurts to learn and try it together.
Are all of you who are professionals here willing to teach us?
The decentralization of ownership means that the expenditure is also offset by wide returns - which is a pretty good way to not be milked - or at least, get fed as well :)