I agree with you on all of that. I personally find the most fulfillment in being able to give my time to others. Steemit has allowed me to watch my nephews a day a week for my sister instead of her having to pay for a daycare. She's not going to pay me for that, but it is something I can do because I have the money to do so and not immediately find a 9-5 job as I work through growing pains as a writer.