You are perfectly correct. My son went to university just after I started on Steemit in 2016. You cannot imagine HOW much steem helped me during this time as his father refused to help. It literally kept my son eating but it was a great extra to have and to pay the registrations fees etc, but I soon realized that I'm starting to rely on this money so the whole point of writing on steemit became an issue for me. I worked out a new budget and worked the "meals" into my budget without the steem money of course. Ever since that I'm writing for fun again, and my experience with steemit changed. I know of people who quit their jobs to write on steemit and I bet they are kicking themselves now. I now call steemit my backup plan where I save all the money I can. Ha ha!