I find it great that you raise the point on people not having funds. I always listen to the discussion of banking the unbanked, but there is never any attempt on getting those people to generate wealth.

I do find some nice ways on Steem on generating and organizing content. It might be even a way to build literacy in a country. Bringing people to read more, a be critical on what they read. Might be still a bit utopic, but is a way.