i agree in some respects but there is also an aspect of the people (most) now that is different.
people that work hard and hustle aren’t necessarily making a value calculation. going 100% hard at your goals is something that gets built in to you at a young age. it is part of who they are. they make it happen by brute force.
for the people out there now that have that aspect to them, then you are correct, they would certainly take advantage.
this is the same difference between people that take self custody, run their own node and those that try to swing trade on centralized platforms trying to make a quick buck.