There is the lump sum and lottery mindset for so many people, I wonder if that’s an intentional or accidental product of the time we live in, where there’s always a focus on betting and gambling instead of building and progress. Similar to your mortgage, where you can’t pay it off with a big chunk instead adding to it a few extra dollars a month chips away at the overall loan and greatly reduces the interest you’ll be paying on it long term.
I’m glad that we can build the alternative economy because we sorely need that. There’s always been ways people have done this, throughout history but a lot of people forget or don’t know that. Where there’s a will there’s a way! The centralized entities want people to feel helpless and powerless but we have much more power as a group than they will admit, because if we know that then we are less controllable.
Perhaps from the gambling companies intentional, but it feeds into our "big score" mindset, which might be natural. We seem to want it all as easy as possible.
I assume that all of what we have today, has been from people wanting to do something different. Remember that every political party got into the game to change things, to break tradition, then they become the tradition themselves, just as bad as those they replaced, if not worse.
We definitely can do better and perhaps we are at the technological level that it is possible at scale.