You raise great points and while I agree, thisbis the first revolution of a technology that is not centralized by a government or an organization which can lead to be distribution of wealth. While we cannot control what these new wealthy will do, at least it could help with the distribution to those that did not have access previously. Another issue is that if we just invest and cryptocurrencies and hold, adoption will never come and therefore will never have a great use case in the future. This is an important difference with STEEM as engagement itself is the transaction.