All of that is correct, albeit not the full picture.

Crypto wasn't created as a "get rich quick". I say this because I was there since the early days and participated quite a bit on the related BBS. Back then you'd already make good money building bots for day trading on stocks, crypto was really about a type of currency that no government could touch.

Nowadays the large majority of users are desperate to make some money through pyramid schemes and pure speculation to "get rich quick" albeit they usually end up losing money. The small minority is doing what they've always done: looking at systems, criticizing systems and building their own solutions to those systems.

There is really good stuff being built. Not many do it, granted.