Great article, thank you. There is one line, however, I do not agree with: "I do not believe most of the world has the money to invest in, say, Bitcoin." Are we not all buying stuff and services that don't have an impact on our future but cater to our immediate needs (i.e. low time preference according to Nassim Nicholas Taleb)? I hope many people start investing 50$ per month to buy Satoshis (aka "staking sats"). It not too late, in fact, IMHO it is a great time to start. Read up and get started. Your grandkids will thank you for it.