Generally, that is the case - yet, there are many people who have started from literally zero and built up quite a stack. I know more than several handfuls on Hive, myself included. There are opportunities everywhere, but the fact is that if they take work without guarantee of return, most will not take them.
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I guess it depends on if they believe in it or not. A guarantee can surpass the not believing part, but without it only the believers left to participate.