Yes, tokens remove many of the barriers to investing. There need not be some minimum amount of cash you must have before you can invest, which permits microinvesting easily and often (imagine an app like Acorns but for tokens that rounds up every purchase you make with your phone to automatically invest your daily spare change in a list of preferred tokens or cryptocurrencies). Some tokens, like the Crypto20 cryptocurrency index token, will permit you to liquidate the token for its underlying net asset value 24/7, meaning you can treat it like a money-market account -- C20 -> ETH on MetaMask -> ETH on Coinbase -> USD on Coinbase -> USD PayPal card or US Bank. Microinvesting in any token with 24/7 access, with a lot of automation, without the need for banks -- game changer.