You hit the nail on the head. The fundamental issue with our financial system is access. The rich have both the access and the resources to maximize the benefits our financial system provides. The poor? Not so much. This is inherently what education is supposed to fix - and it is still the best route out of poverty - but that's a less viable route for someone who's already graduated or in a job.
I think one of the real benefits of crypto is that it's a new market which allows access to all. Many of us are still on the same standing ground in terms of access - although this is starting to change. In any event, we need more folks to see this opportunity and try to seize the opportunity. If anything, at a highly simplistic level, they will hopefully walk away with some confidence and inspiration from the crypto success stories - which is the first step we all need to start turning things around.
All that you have said here is true and we need to take a stand for ourselves and those who cannot do so