We are extrapolating past learning challenges into the future. What was hard to understand in the past will become easier. 

Just as the average Joe is now forced to understand inflation, he may also be forced to understand possible exit routes.

There was a time you could live normally without the internet; now we live in a time where it’s hard to get both young and people off their digital gadgets ( said the dude typing on his phone ).

Things change, hopefully for the better. 

 Well said, good reminder. We have the answers, and it takes some individual work to get there. I'm fortunate to have this fun challenge to tackle.  

 Yes. People with little time and little disposable income are unlikely to get early-bird seats at the bitcoin circus/carnival.

C’est la vie.