You are on spot with the centralization of wealth (crypto) here but look at the other projects and look at the coins as technologies.

BTC I also agree is mostly a hype pump-dump machine right now. But the other ones, Eth, Cardano, BAT are ones that have amazing real life applications.

Cardano has already started off in Africa as Atala and the founder Charles Hoskinsons has a truly world changing vision.

Yes, the crypto community right now is in "weak-hands" or greedy money makers but the hope is that in the long term, as it's real potential is unearthed, legit ones start coming in.

Mark Cuban is one such investor, he's invested in Polygon not as a get rich quick scheme but as a believer in it's potential as a L2 technology