I don't think there will be people who stop living paycheck to paycheck since it would require people to at least have some financial education. Though I guess people would just earn their paycheck in a different way (digital).
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Ah see, that's where your wrong... because I already have an idea for airdrops that totally defeats this. In my opinion, many of the airdrops of the future will be illiquid: citizens won't be able to sell them (unless they sell the entire account). This creates a situation where even if users sell off 100% of the crypto they are earning via inflation, they still have the base layer account that provides the passive income at the core.
Once reputations are linked to said accounts it becomes even harder to sell them. People aren't going to want to start all over and build a new reputation. They will simply hold on to their account.