I am also a late joiner but I try to keep some budget for zaps and I would be happy to spend sats in live economy. Real world one.
I guess those you are talking about also are borrowing Fiat against btc and so on but this is a niche yet.
We need to be able to get bread and milk with sats and that won’t happen by just hodling and telling people go buy sats.
Some cannot make the ends meet.
They might need some push.