Crypto: One Big Ponzi Scheme? Rich get Richer and the lower class fund it?

Looking at the last few months of cryptocurrency has been painful for most you have the bitcoin and ETH groupies and the meme/alt coin fanbase.

There are 2 sides to this you have the everyday person who has a stable wage pays bills, and looks to the future with hope they are not rich do not earn a fortune and cannot holiday 4 times a…