Hive account@andrarchy, your postulation and ananlytical presentation on the subject matter you are discussing here is quite apt. Your knowledge of micro and macroeconomics is in no doubt.

Fiat money system was designed with the propensity to overly enrich only the elites at the huge expense of the larger population (the poor masses).
It's indeed unfortunate.

But, thanks to the arrival of crypto money system, where its functionality is based on tokens.

Tokens are really, really potentially revolutionary, given that they have the capacity and capability to give everyone the ability to launch their hyper-efficient money, control and be the bank to themselves. Fiat money jinx is broken by crypto tokens.

Here we are in the Steemit community where life is becoming more meaningful each passing day.
Bravo.