Everything you said in your post is right @adam3030 this is a good idea making a job mining Cardano, it makes sense .. And you possibly can be rich as you said ...!!!

Do I believe digital money is the future

That´s right, you´re totally correct ...!!!

Is it fair for anyone holding cryptocurrency to pay taxes before they cash out?

This should not be so, since we all do a job and as a result we receive a payment which must not have taxes, it must be complete.

There must be a marguen, an amount in which no tax is paid for transactions and movements to the portfolios