An interesting topic. There is a delicate balance that needs to be maintained. It makes me think of the housing crisis. Easy money lent without consideration as to if it could be paid back. Banks sold the mortgages securities to other banks. Housing prices soared, and eventually buyers dried up. Leaving major financial institutions in jeopardy of failing. The government bailed them out because they were too big to fail. Greed and unsound business practices ruined the economy.
Lots of people lost their houses during that time. It is hard to see all the unsound business practices. I would love to see people less reliant on businesses for their livelihood and be more able to earn enough independently. It sure seems like it should be getting much easier to make money with all the efficiencies we see from new technologies and automation. It does not feel that way to me though, many of the people I talk to seem to be having more difficulties financially. I'm feeling it a bit with everything slumping in the crypto markets right now, hopefully things will turn around some time.
On the bright side, it is a great time to be earning Steem. Those that continue to post are benefiting and gaining loyal followers. When crypto goes up, we will be rewarded for sticking with it.