The problem is most of the customers have neither.
I'm sure in the mid-1800s there were classes you could buy to learn how to invest in future railroad property out West. Or later, how to become a millionaire revitalizing property in the South.
General rule of thumb: never pay for a lesson if price requires an altruistic seller.
F.ex. If I had a reliable way to make millions, why would I be selling that course for anything less than hundreds of thousands of dollars?
When I was young and out of college I certainly fell for the trap of trying to build a startup and get super rich and become a cool tech bro. Read all the lean startup garbage and listened to anyone with a successful tech startup story. Fortunately the grift industry wasn’t as mature as it is today, so damage was minimal.
Nowadays, these content creators and course curators extract huge sums of money out of people and make themselves look more legit than ever. Young people need to be more wary but I feel they are more gullible than ever. Not a good mix.
We are just subjected to it more on an individual basis because we have speed of light global communications and mediums that allow hucksters to spread their grift to millions of people at once.
What’s not universal is the near-idolization of it. That’s uniquely American.
NFTs are snake oil, the fact that some get away with that stuff and a nice payout does not change the idiotic premise of the thing.