I am tired of living month to month, paycheck to paycheck, hand to mouth as, it is no way to actually live.
There are millions living morning to afternoon, don't forget....
Due to banks and government intervention my 15yr old business just came to a grinding halt- without 12 hours notice.
Life happens, and circumstances change.
I would have been screwed if steem wasn't here, tbh (although it still hurts to take out, rather than build up)
I totally agree with what you say in your post, but I think you have to bear in mind that western economies are not a 'standard' throughout the world...