Hive kind of gives people a sort of edge on saving without much investing other than time.
It is a large edge that if applied with enough force, will knock it to the boundary. :)
I disagree with you on the "over 40" thing though. I am mid-40s and have over 20 years ahead of me until retirement age. Almost twice as long as Bitcoin has been around still ahead. My job is going to change dramatically because of crypto and blockchain and if I want to be there, I have to be up with it. Treating it as a stock doesn't keep me in a job.