Building our own systems outside of theirs will be more beneficial, although knowing how to use theirs for our own good will be valuable. We use CBDC's and/or UBI for the bills and daily needs and we keep our wealth in other things, BTC, skills, tools and use that in our own systems built outside of theirs.  

 Yup. 

That's why I'm trying to figure this out now. I'm ready behind done of you, but still ahead of most.  

 If you're thinking about it you're ahead of most.