I have to agree with you 1,000%.
People need to stop thinking like bankers and start thinking like caring human beings. This is not about any individual investors account and his/her ROI. That is bankster language.
You hit the nail on the head. People will profit a lot more from a vibrant, thriving blockchain with tens of millions of people making money and sharing in the proceeds. The whales taking a large stake (when they already have such a large stake) is only going to drive the price back down.
People need to get into the new model....it is time to start thinking less like a banker and more like a human being. Steem will change the lives of millions if it is allowed the thrive and prospect.
Greed will only kill it.