would be better working and then putting a portion of savings into steem.

Yes, much like those who might not have the chops for entrepreneurship can buy shares in the companies of those who do. I find it kind of strange when people say they are unwilling to invest, but at the same time might not be suited to content creation. I do understand that not everyone has the ability to buy in, however the barriers to entry into crypto are about the lowest they can be for investment price.