My eye-opening moment was when I realized that due to a ludicrous expense ratio, my employer-provided retirement fund was just funding that company's employees, who take our money to the markets, no different than Vegas, like the fucking degenerate gamblers they are. It's a pure casino.

Second, most people don't want the responsibility of becoming their own bank. They don't have the time, energy, nor the self respect required to do so. They're quite happy sucking that USD dick. 

 They are forced to gamble. Fiat is designed to lose value. You are forced to buy stocks that will be taxed later to prop up the corporations. 

Before bitcoin, you could not opt-out of this shell game. You could buy gold. It did better than real estate over the last 50 years, but it did not beat the Boggle heads. 

 I like the cut of your jib.