> The world's knowledge is literally at people's fingertips now. Almost any creative skill someone has can be leveraged to make money.

There are two ways to read this sentence. One optimistic, people can monitize their skills! The other pessimistic, anyone with the same skills as me can easily compete with me. Thats why it seems that skills that are highly specialized are rewarded most these days. And the average joe doesn't have highly specialized skills, otherwise they wouldn't be average. And if prices are a race to the bottom through vigorous competition, you will find that the largest capital owners will be the biggest winners, since they already have a leg up.